On this special edition of Paisa vaisa, Anupam chats with Kunal Bajaj, Founder & CEO of Clearfunds. In part-1 of this conversation they talk about Mutual Funds & Direct Investment vs. Advisory Investment.

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/

On this special edition of Paisa vaisa, Anupam chats with Kunal Bajaj, Founder & CEO of Clearfunds. In part-1 of this conversation they talk about Mutual Funds & Direct Investment vs. Advisory Investment. This is an IVM Production; for more such awesome podcasts, come find us: Website: <a href="http://indusvox.com/" target="_blank" rel="nofollow noopener noreferrer">Indusvox.com</a> Facebook: <a href="https://www.facebook.com/ivmpodcasts" target="_blank" rel="nofollow noopener noreferrer">https://www.facebook.com/ivmpodcasts</a> Twitter: <a href="https://twitter.com/IVMPodcasts" target="_blank" rel="nofollow noopener noreferrer">https://twitter.com/IVMPodcasts</a> Instagram: <a href="https://www.instagram.com/ivmpodcasts/" target="_blank" rel="nofollow noopener 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

On this special edition of Paisa vaisa, Anupam chats with Kunal Bajaj, Founder & CEO of Clearfunds. In part-1 of this conversation they talk about Mutual Funds & Direct Investment vs. Advisory Investment. This is an IVM Production; for more...

Ep. 39: Robo Advisory - 1

Are you tired of watching your Fixed Deposit returns get eaten away by high taxes and inflation? In this deep-dive episode of Paisa Vaisa, Anupam Gupta sits down with Sailesh Jain, Fund Manager at Tata Asset Management, to unlock the mechanics of Arbitrage Funds. Many investors overlook this category, yet it remains one of the most efficient ways to park your spare cash while enjoying the tax benefits of equity. Sailesh Jain explains the concept of "riskless profit" through a simple mango market analogy, showing how buying in the cash market and simultaneously selling in the futures market locks in a predictable spread. Unlike traditional equity funds, arbitrage funds thrive on market volatility. When the market swings, the price mismatches between cash and futures expand, allowing seasoned fund managers like Sailesh Jain to "harvest" higher returns for their investors.

We explore why these funds have become a staple for HNIs and retail investors alike, especially with the 2026 tax regulations offering a significant edge through 12.5% Long-Term Capital Gains (LTCG). Sailesh Jain provides a rare look into the "special situations" that drive Tata’s consistent outperformance, including dividend arbitrage and corporate actions. Whether you are managing corporate treasury or just looking for a better alternative to your savings account, this episode provides a clear roadmap. We also look ahead to the 2026 Budget and the broader Indian economic outlook, with Sailesh Jain projecting why India remains a superior market for both debt and equity investors despite global geopolitical tensions. By the end of this conversation, you will understand how to build a "linear" and steady portfolio that lets you sleep peacefully even during market turbulence.

Key Take away


Understanding Arbitrage Mechanics: Sailesh Jain explains how to generate profit by exploiting price gaps between cash and future markets.


Volatility as a Tool: Discover why market swings during major events actually increase the earning potential of arbitrage strategies.


Taxation Advantage in 2026: A breakdown of how the 12.5% LTCG rate makes arbitrage funds more profitable than FDs on a post-tax basis.


Risk Management and Safety: Insights into how Tata AMC protects capital during extreme market crises like COVID and GFC.


Economic Outlook for 2026: Sailesh Jain shares his projections for 15% earnings growth and India's position in the global economy.



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 tired of watching your Fixed Deposit returns get eaten away by high taxes and inflation? In this deep-dive episode of Paisa Vaisa, Anupam Gupta sits down with Sailesh Jain, Fund Manager at Tata Asset Management, to unlock the mechanics of Arbitrage Funds. Many investors overlook this category, yet it remains one of the most efficient ways to park your spare cash while enjoying the tax benefits of equity. Sailesh Jain explains the concept of "riskless profit" through a simple mango market analogy, showing how buying in the cash market and simultaneously selling in the futures market locks in a predictable spread. Unlike traditional equity funds, arbitrage funds thrive on market volatility. When the market swings, the price mismatches between cash and futures expand, allowing seasoned fund managers like Sailesh Jain to "harvest" higher returns for their investors.
We explore why these funds have become a staple for HNIs and retail investors alike, especially with the 2026 tax regulations offering a significant edge through 12.5% Long-Term Capital Gains (LTCG). Sailesh Jain provides a rare look into the "special situations" that drive Tata&rsquo;s consistent outperformance, including dividend arbitrage and corporate actions. Whether you are managing corporate treasury or just looking for a better alternative to your savings account, this episode provides a clear roadmap. We also look ahead to the 2026 Budget and the broader Indian economic outlook, with Sailesh Jain projecting why India remains a superior market for both debt and equity investors despite global geopolitical tensions. By the end of this conversation, you will understand how to build a "linear" and steady portfolio that lets you sleep peacefully even during market turbulence.
Key Take away
<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">
Understanding Arbitrage Mechanics: Sailesh Jain explains how to generate profit by exploiting price gaps between cash and future markets.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Volatility as a Tool: Discover why market swings during major events actually increase the earning potential of arbitrage strategies.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Taxation Advantage in 2026: A breakdown of how the 12.5% LTCG rate makes arbitrage funds more profitable than FDs on a post-tax basis.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Risk Management and Safety: Insights into how Tata AMC protects capital during extreme market crises like COVID and GFC.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Economic Outlook for 2026: Sailesh Jain shares his projections for 15% earnings growth and India's position in the global economy. 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>
</ul>

Nifty Outlook 2026: Why Arbitrageurs are Betting on High Volatility This Year

Is your health insurance actually working for you, or are you just paying premiums? In this episode of Paisa Vaisa, host Anupam Gupta sits down with Mayank Bathwal, CEO of Aditya Birla Health Insurance, to demystify the complex world of Indian health insurance. From the "Missing Middle" population to the rise of wellness-linked policies, we explore how the industry is changing and how you can benefit.

In this video, you will learn:


The Reality of Claims: Why 15% to 20% of claims are linked to fraud, waste, or abuse, and how this impacts your premium costs.


Reimbursement Red Flags: What a "360-degree investigation" is and why reimbursement cases invite more scrutiny than cashless ones.


The Cashless Advantage: Why cashless settlement is significantly higher in some states but struggles in places like Gujarat and Maharashtra.


Earning Your Premium Back: How you can literally get 100% of your premium back by maintaining a healthy lifestyle and tracking your steps.


Pro-Tips for Claims: The one thing you MUST do yourself when filing an application to ensure your claim never gets rejected.

Don't miss the insights on the future of Health Tech, AI, and how a personal health coach provided by your insurer can help you reverse lifestyle diseases.

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

Is your health insurance actually working for you, or are you just paying premiums? In this episode of Paisa Vaisa, host Anupam Gupta sits down with Mayank Bathwal, CEO of Aditya Birla Health Insurance, to demystify the complex world of Indian health insurance. From the "Missing Middle" population to the rise of wellness-linked policies, we explore how the industry is changing and how you can benefit.
In this video, you will learn:
<ul data-indent-level="1">
<li>
The Reality of Claims: Why 15% to 20% of claims are linked to fraud, waste, or abuse, and how this impacts your premium costs.
</li>
<li>
Reimbursement Red Flags: What a "360-degree investigation" is and why reimbursement cases invite more scrutiny than cashless ones.
</li>
<li>
The Cashless Advantage: Why cashless settlement is significantly higher in some states but struggles in places like Gujarat and Maharashtra.
</li>
<li>
Earning Your Premium Back: How you can literally get 100% of your premium back by maintaining a healthy lifestyle and tracking your steps.
</li>
<li>
Pro-Tips for Claims: The one thing you MUST do yourself when filing an application to ensure your claim never gets rejected.
</li>
</ul>
Don't miss the insights on the future of Health Tech, AI, and how a personal health coach provided by your insurer can help you reverse lifestyle diseases. 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 Your Insurance Claim Might Be Rejected (And How to Ensure 100% Payout) | Paisa Vaisa

This comprehensive episode of the Paisa Vaisa podcast features host Anupam Gupta in an deep-dive conversation with Amit Agarwal, the CEO and co-founder of NoBroker, to decode the complex Indian real estate market for 2026 . We begin by exploring the disruptive journey of NoBroker which started in Bombay back in 2013 to solve the massive problem of fly-by-night brokers and high commission fees that have plagued the property market for decades . Amit explains the critical math behind the rent versus buy dilemma that every Indian professional faces today, highlighting why renting often makes more financial sense because typical residential rental yields are only between two to four percent while home loan interest rates hover around eight percent . The discussion provides a detailed analysis of the Model Tenancy Act which balances the rights of both owners and tenants by capping security deposits at two months and establishing a hierarchy of rent courts for sixty-day dispute resolution . We also address the infamous bachelor tax and societal discrimination where single tenants are often charged a premium despite being high-value renters with more disposable income than traditional families . This video is a masterclass for anyone looking to understand the real estate ecosystem from property appreciation and wealth generation to navigating the strict rental processes of Mumbai versus the more casual documentation found in other major Indian cities

Key Takeaways


The 8% Rule: Buying a home is often financially inefficient in India because rental yields (2-4%) are far lower than home loan interest rates (8%) .


Commercial Potential: Investors can achieve up to 12% rental yield by targeting small commercial shops instead of residential apartments .


Deposit Laws: The Model Tenancy Act aims to stop the "Bangalore trend" of high deposits by capping them at a maximum of 2 months.


Bachelor Advantage: Landlords should stop the "Bachelor Tax" as single tenants often pay more rent and have higher disposable income .


The Amenity Trap: Post-COVID luxury boom has pushed many into paying high maintenance for amenities they rarely use .


Investment Zones: For 2024, Pune offers "great deals" for investors while the NCR market is currently a zone to be "most careful about"



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

This comprehensive episode of the Paisa Vaisa podcast features host Anupam Gupta in an deep-dive conversation with Amit Agarwal, the CEO and co-founder of NoBroker, to decode the complex Indian real estate market for 2026 . We begin by exploring the disruptive journey of NoBroker which started in Bombay back in 2013 to solve the massive problem of fly-by-night brokers and high commission fees that have plagued the property market for decades . Amit explains the critical math behind the rent versus buy dilemma that every Indian professional faces today, highlighting why renting often makes more financial sense because typical residential rental yields are only between two to four percent while home loan interest rates hover around eight percent . The discussion provides a detailed analysis of the Model Tenancy Act which balances the rights of both owners and tenants by capping security deposits at two months and establishing a hierarchy of rent courts for sixty-day dispute resolution . We also address the infamous bachelor tax and societal discrimination where single tenants are often charged a premium despite being high-value renters with more disposable income than traditional families . This video is a masterclass for anyone looking to understand the real estate ecosystem from property appreciation and wealth generation to navigating the strict rental processes of Mumbai versus the more casual documentation found in other major Indian cities
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">
The 8% Rule: Buying a home is often financially inefficient in India because rental yields (2-4%) are far lower than home loan interest rates (8%) .
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Commercial Potential: Investors can achieve up to 12% rental yield by targeting small commercial shops instead of residential apartments .
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Deposit Laws: The Model Tenancy Act aims to stop the "Bangalore trend" of high deposits by capping them at a maximum of 2 months.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Bachelor Advantage: Landlords should stop the "Bachelor Tax" as single tenants often pay more rent and have higher disposable income .
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
The Amenity Trap: Post-COVID luxury boom has pushed many into paying high maintenance for amenities they rarely use .
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Investment Zones: For 2024, Pune offers "great deals" for investors while the NCR market is currently a zone to be "most careful about"
</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. 39: Robo Advisory - 1

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