This is a special edition of Paisa Vaisa featuring Mr. Anugrah Shrivastava of SmallCase.

On this episode, Anugrah talks to Anupam about how he got into thematic investing, and what SmallCase does to make investing easier for their customers.

You can listen to this show and other awesome shows on the IVM Podcast App on Android: https://goo.gl/tGYdU1 or iOS: https://goo.gl/sZSTU5

You can check out our website at http://www.ivmpodcasts.com/

This is a special edition of Paisa Vaisa featuring Mr. Anugrah Shrivastava of SmallCase. On this episode, Anugrah talks to Anupam about how he got into thematic investing, and what SmallCase does to make investing easier for their customers. You can listen to this show and other awesome shows on the IVM Podcast App on Android: <a href="https://goo.gl/tGYdU1" target="_blank" rel="nofollow noopener noreferrer">https://goo.gl/tGYdU1</a> or iOS: <a href="https://goo.gl/sZSTU5" target="_blank" rel="nofollow noopener noreferrer">https://goo.gl/sZSTU5</a> You can check out our website at <a href="http://www.ivmpodcasts.com/" target="_blank" rel="nofollow noopener noreferrer">http://www.ivmpodcasts.com/</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

This is a special edition of Paisa Vaisa featuring Mr. Anugrah Shrivastava of SmallCase. On this episode, Anugrah talks to Anupam about how he got into thematic investing, and what SmallCase does to make investing easier for their customers. You can...

Ep. 89: Thematic Investing - Part 1

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

How much money do you actually need to retire at 50? | Paisa Vaisa | Anupam Gupta |

On this episode of Paisa Vaisa, Sachin Gupta, the Executive Director and Chief Ratings Officer at CareEdge Ratings, sits down with Anupam Gupta on the Paisa Vaisa podcast to discuss the ticking time bomb of the $1 trillion global private credit market. While the US and Europe are grappling with opaque, unrated debt bubbles, Sachin argues that India’s strict regulatory culture might be our greatest economic superpower in 2026. We break down the "Modified Credit Ratio," a leading indicator that currently shows 2.5 upgrades for every single downgrade in the Indian economy. This episode is a deep dive into the sectors that are actually winning, from the ironclad asset quality of gold loan companies to the resilient banking sector that has moved from 12% NPAs to a state of unprecedented health. If you are an investor looking to navigate the current high-interest-rate cycle, Sachin’s macro insights on the RBI’s data-driven approach will change how you view your portfolio’s safety.

Key Takeaways


The Math of Trust: A credit rating is not a general "vibe check" on a company; it is a cold, mathematical probability of default calculated on a 20-point scale from AAA to D.


The Integrity Filter: Management risk is the most critical pillar of analysis because promoter integrity and project execution track records determine survival better than any balance sheet.


Regulatory Fortress: India’s strict AIF rules prevent the kind of "debt-on-debt" systemic risk currently threatening the $1 trillion opaque private credit markets in the US.


The Gold Standard: Gold loan companies maintain the highest asset quality in the NBFC space because physical collateral and rising gold prices provide an automatic safety buffer for lenders.


Recovery Revolution: The implementation of IBC and NCLT has fundamentally fixed India’s credit culture by instilling a genuine fear in promoters that they will lose their business if they default.


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

On this episode of Paisa Vaisa, Sachin Gupta, the Executive Director and Chief Ratings Officer at CareEdge Ratings, sits down with Anupam Gupta on the Paisa Vaisa podcast to discuss the ticking time bomb of the $1 trillion global private credit market. While the US and Europe are grappling with opaque, unrated debt bubbles, Sachin argues that India&rsquo;s strict regulatory culture might be our greatest economic superpower in 2026. We break down the "Modified Credit Ratio," a leading indicator that currently shows 2.5 upgrades for every single downgrade in the Indian economy. This episode is a deep dive into the sectors that are actually winning, from the ironclad asset quality of gold loan companies to the resilient banking sector that has moved from 12% NPAs to a state of unprecedented health. If you are an investor looking to navigate the current high-interest-rate cycle, Sachin&rsquo;s macro insights on the RBI&rsquo;s data-driven approach will change how you view your portfolio&rsquo;s safety.
Key Takeaways
<ul data-indent-level="1">
<li>
The Math of Trust: A credit rating is not a general "vibe check" on a company; it is a cold, mathematical probability of default calculated on a 20-point scale from AAA to D.
</li>
<li>
The Integrity Filter: Management risk is the most critical pillar of analysis because promoter integrity and project execution track records determine survival better than any balance sheet.
</li>
<li>
Regulatory Fortress: India&rsquo;s strict AIF rules prevent the kind of "debt-on-debt" systemic risk currently threatening the $1 trillion opaque private credit markets in the US.
</li>
<li>
The Gold Standard: Gold loan companies maintain the highest asset quality in the NBFC space because physical collateral and rising gold prices provide an automatic safety buffer for lenders.
</li>
<li>
Recovery Revolution: The implementation of IBC and NCLT has fundamentally fixed India&rsquo;s credit culture by instilling a genuine fear in promoters that they will lose their business if they default. 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>

From Engineering to CareEdge Ratings CRO: Sachin Gupta’s Masterclass | Paisa Vaisa | Anupam Gupta

On this episode of Paisa Vaisa, CA Isha Jaiswal sits down with Anupam Gupta for a deep dive into the changing rules of money, parenting, and privacy in the digital age. As a new mother and a seasoned CA, Isha shares her controversial take on "Financial Parenting"—explaining why she plans to hire her own toddler for odd jobs rather than handing out a traditional allowance. We discuss the death of the old-school tax regime and the rise of a system that rewards cash flow over traditional saving. From the technicalities of the Annual Information Statement (AIS) to the legal ways you can pay rent to your parents to maximize your HRA, we cover the hacks that your CA likely hasn't told you yet. This is a masterclass for anyone who wants to stop being a passive earner and start being a strategic wealth builder, ensuring that their family is protected from both inflation and corporate overreach.

Key Takeaways


The 5/50 Success Rule: Sacrificing 5 years of intense grind in your 20s secures 50 years of a "Queen-Sized" life; choose your "hard" early.


The Variable Pay Trap: HRs often inflate CTCs with variable pay that is hard to earn; always negotiate to convert variable into fixed salary.


Joint Taxation Proposal: The new shift toward "One Family, One ITR" could allow husbands to use their homemaker wives' exemptions to save massive tax.


The Privacy Shield: Your boss cannot track your private income through your PAN or AIS portal unless you give them access; your data is safer than you think.


Employ Your Kids: To teach kids the value of money, hire them for "odd jobs" and pay them, instilling a "work-for-money" mindset instead of "allowance" entitlement.



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

On this episode of Paisa Vaisa, CA Isha Jaiswal sits down with Anupam Gupta for a deep dive into the changing rules of money, parenting, and privacy in the digital age. As a new mother and a seasoned CA, Isha shares her controversial take on "Financial Parenting"&mdash;explaining why she plans to hire her own toddler for odd jobs rather than handing out a traditional allowance. We discuss the death of the old-school tax regime and the rise of a system that rewards cash flow over traditional saving. From the technicalities of the Annual Information Statement (AIS) to the legal ways you can pay rent to your parents to maximize your HRA, we cover the hacks that your CA likely hasn't told you yet. This is a masterclass for anyone who wants to stop being a passive earner and start being a strategic wealth builder, ensuring that their family is protected from both inflation and corporate overreach.
Key Takeaways
<ul data-indent-level="1">
<li>
The 5/50 Success Rule: Sacrificing 5 years of intense grind in your 20s secures 50 years of a "Queen-Sized" life; choose your "hard" early.
</li>
<li>
The Variable Pay Trap: HRs often inflate CTCs with variable pay that is hard to earn; always negotiate to convert variable into fixed salary.
</li>
<li>
Joint Taxation Proposal: The new shift toward "One Family, One ITR" could allow husbands to use their homemaker wives' exemptions to save massive tax.
</li>
<li>
The Privacy Shield: Your boss cannot track your private income through your PAN or AIS portal unless you give them access; your data is safer than you think.
</li>
<li>
Employ Your Kids: To teach kids the value of money, hire them for "odd jobs" and pay them, instilling a "work-for-money" mindset instead of "allowance" entitlement. 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>

Ep. 89: Thematic Investing - Part 1

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