In this episode of “Credit Conversations with CIBIL”, Anupam sits down with industry expert Mr. Jairam Sridharan, MD of Piramal Finance Limited, and Mr. Bhavesh Jain, MD & CEO of TransUnion CIBIL. Together, they delve into the crucial role of trust in financial services, the impact of digitization on credit evaluation, and key strategies for strengthening your credit profile. Whether you're looking to grasp the fundamentals of credit or improve your financial health, this episode is packed with expert insights to help you navigate your financial journey.

#CreditConversations #FinancialTrust #CreditScore #FinancialLiteracy #DigitalFinance #CIBIL #PiramalFinance #TransUnionCIBIL #FinancialInclusion #CreditEducation #CreditConversations #CIBIL #CIBILScore #CIBILJaagran #CreditEducation #ConsumerEducation #PiramalFinance

In this episode of &ldquo;Credit Conversations with CIBIL&rdquo;, Anupam sits down with industry expert Mr. Jairam Sridharan, MD of Piramal Finance Limited, and Mr. Bhavesh Jain, MD &amp; CEO of TransUnion CIBIL. Together, they delve into the crucial role of trust in financial services, the impact of digitization on credit evaluation, and key strategies for strengthening your credit profile. Whether you're looking to grasp the fundamentals of credit or improve your financial health, this episode is packed with expert insights to help you navigate your financial journey.
#CreditConversations #FinancialTrust #CreditScore #FinancialLiteracy #DigitalFinance #CIBIL #PiramalFinance #TransUnionCIBIL #FinancialInclusion #CreditEducation #CreditConversations #CIBIL #CIBILScore #CIBILJaagran #CreditEducation #ConsumerEducation #PiramalFinance

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

How Trust Fuels the Credit Ecosystem! | Ft. Jairam Sridharan & Bhavesh Jain

Gold loans are becoming one of India’s fastest-growing credit options. But when does borrowing against your gold actually make financial sense?

In this episode of Paisa Vaisa, Anupam Gupta speaks with Shripad Jadhav, Head – Bharat Banking Assets, Kotak Mahindra Bank, to understand the rapid growth of gold loans in India and why borrowers are increasingly viewing them as a mainstream credit option rather than a last resort.

Shripad breaks down how a gold loan works, from valuation and documentation to disbursal, interest rates, loan-to-value ratios and repayment structures. He also explains why gold loans are increasingly being used for everything from personal expenses and education to MSME working capital and business needs.

The conversation explores how rising gold values, greater banking penetration, regulation and changing attitudes towards borrowing have transformed the gold loan market. Shripad also discusses the risks borrowers should consider, why keeping an LTV buffer matters, what happens when gold prices fluctuate, and how to choose between a gold loan, personal loan or selling your gold.

If you own gold and have ever wondered whether you should borrow against it, this episode offers a practical guide to understanding the opportunity, costs and risks involved.

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

Gold loans are becoming one of India&rsquo;s fastest-growing credit options. But when does borrowing against your gold actually make financial sense?
In this episode of Paisa Vaisa, Anupam Gupta speaks with Shripad Jadhav, Head &ndash; Bharat Banking Assets, Kotak Mahindra Bank, to understand the rapid growth of gold loans in India and why borrowers are increasingly viewing them as a mainstream credit option rather than a last resort.
Shripad breaks down how a gold loan works, from valuation and documentation to disbursal, interest rates, loan-to-value ratios and repayment structures. He also explains why gold loans are increasingly being used for everything from personal expenses and education to MSME working capital and business needs.
The conversation explores how rising gold values, greater banking penetration, regulation and changing attitudes towards borrowing have transformed the gold loan market. Shripad also discusses the risks borrowers should consider, why keeping an LTV buffer matters, what happens when gold prices fluctuate, and how to choose between a gold loan, personal loan or selling your gold.
If you own gold and have ever wondered whether you should borrow against it, this episode offers a practical guide to understanding the opportunity, costs and risks involved.
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 Gold Loans Are Booming in India | Shripad Jadhav | Paisa Vaisa

What do HNIs and family offices invest in beyond traditional stocks and mutual funds?

On this episode of Paisa Vaisa, Anupam Gupta speaks with Sachin Sawrikar, Founder and Managing Partner at Artha Bharat, about alternative investments, global diversification, GIFT City and how sophisticated investors approach portfolio construction.

Sachin breaks down the world of distressed assets, private credit, hedge funds, arbitrage and gold, while explaining why alternatives are increasingly becoming part of HNI and family-office portfolios. He also shares how distressed-debt investing works, including the risks involved and why seemingly troubled assets can sometimes create unusual investment opportunities.

The conversation explores why Indian investors should think about global diversification, the opportunities available through GIFT City, and what investors need to understand before committing money to alternative investments.

Sachin also highlights some important red flags: manager skin in the game, hidden fees, illiquidity, unrealistic return expectations and investment products being sold for commissions rather than suitability.

Finally, he shares a simple principle for long-term wealth creation: stay consistent, diversify intelligently and keep investing simple.

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

What do HNIs and family offices invest in beyond traditional stocks and mutual funds?
On this episode of Paisa Vaisa, Anupam Gupta speaks with Sachin Sawrikar, Founder and Managing Partner at Artha Bharat, about alternative investments, global diversification, GIFT City and how sophisticated investors approach portfolio construction.
Sachin breaks down the world of distressed assets, private credit, hedge funds, arbitrage and gold, while explaining why alternatives are increasingly becoming part of HNI and family-office portfolios. He also shares how distressed-debt investing works, including the risks involved and why seemingly troubled assets can sometimes create unusual investment opportunities.
The conversation explores why Indian investors should think about global diversification, the opportunities available through GIFT City, and what investors need to understand before committing money to alternative investments.
Sachin also highlights some important red flags: manager skin in the game, hidden fees, illiquidity, unrealistic return expectations and investment products being sold for commissions rather than suitability.
Finally, he shares a simple principle for long-term wealth creation: stay consistent, diversify intelligently and keep investing simple. 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

Beyond Stocks: Alternatives, Global Investing & GIFT City | Sachin Sawrikar | Paisa Vaisa

How will US debt, AI valuations, geopolitics and global power shifts shape India's stock market over the next few years?

In this episode of Paisa Vaisa, Anupam Gupta speaks with Jitendra Gohil, CIO – Listed Equities at Bajaj Alts, to understand why politics not just earnings and valuations is becoming one of the biggest drivers of financial markets.

The conversation explores the changing economic landscape across the United States, India, Japan and Korea, the risks posed by rising US debt, AI-led market concentration, bond yields, the US dollar, gold and global capital flows. Jitendra explains why India could still remain one of the world's strongest long-term growth stories while highlighting the sectors that may benefit the most from the country's journey from a $4 trillion to a $10 trillion economy.

They also discuss:


US debt and AI bubble risks


India's long-term market outlook


EMS (Electronics Manufacturing Services), shipbuilding and defence


Active funds vs ETFs


Gold allocation and portfolio diversification


Nifty return expectations


Mid-cap and small-cap opportunities


What retail investors and HNIs should be doing over the next few years

Whether you're an investor, mutual fund enthusiast, market follower or someone trying to understand the future of global investing, this episode offers a framework that connects politics, economics and markets.

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

How will US debt, AI valuations, geopolitics and global power shifts shape India's stock market over the next few years?
In this episode of Paisa Vaisa, Anupam Gupta speaks with Jitendra Gohil, CIO &ndash; Listed Equities at Bajaj Alts, to understand why politics not just earnings and valuations is becoming one of the biggest drivers of financial markets.
The conversation explores the changing economic landscape across the United States, India, Japan and Korea, the risks posed by rising US debt, AI-led market concentration, bond yields, the US dollar, gold and global capital flows. Jitendra explains why India could still remain one of the world's strongest long-term growth stories while highlighting the sectors that may benefit the most from the country's journey from a $4 trillion to a $10 trillion economy.
They also discuss:
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US debt and AI bubble risks
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India's long-term market outlook
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EMS (Electronics Manufacturing Services), shipbuilding and defence
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Active funds vs ETFs
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Gold allocation and portfolio diversification
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Nifty return expectations
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Mid-cap and small-cap opportunities
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What retail investors and HNIs should be doing over the next few years
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Whether you're an investor, mutual fund enthusiast, market follower or someone trying to understand the future of global investing, this episode offers a framework that connects politics, economics and markets. 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 Trust Fuels the Credit Ecosystem! | Ft. Jairam Sridharan & Bhavesh Jain

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