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

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

1000 Crore Secret: How NoBroker Makes Money with 0% Commission | Paisa Vaisa 

In this landmark episode of Paisa Vaisa, Anupam Gupta reunites with the leadership team at White Oak Capital—Founder Prashant Khemka and CEO Aashish Somaiya—to dissect the radical transformation of the Indian market over the last three years. As the Nifty has surged from 18,000 to 26,000 and SIP inflows have hit a staggering ₹30,000 crores per month, we explore whether the Indian retail investor has finally matured or if we are simply chasing the latest momentum in gold and silver.

Prashant Khemka provides a rare global perspective, drawing parallels between India’s current economic cycle and the "middle-income traps" that have historically hindered countries like Brazil. He breaks down why a realistic 11% pre-tax return is the "gold standard" for the next two decades and why the "alpha potential" in India remains among the richest in the world for bottom-up investors.

Aashish Somaiya addresses the "dark side" of social media and the rise of finfluencers, explaining why it is the industry's moral duty to speak to the younger generation in relatable terms. Together, they reveal the "Chemistry of Investing"—a framework showing how strategic equity allocation can actually improve risk-adjusted returns without the volatility most investors fear. Whether you are worried about the "exit" of private equity via IPOs or wondering how to stay disciplined when the market goes nowhere, this masterclass provides the roadmap for your 20-year wealth creation journey


TAKEAWAYS 
-Realistic Expectations: Investors should aim for roughly 11% pre-tax returns (9% post-tax) over a 20-year horizon based on GDP growth and inflation .
- The Behavioral Gap: The biggest threat to wealth isn't fund fees; it’s the retail habit of getting in and out of the market at the wrong time.
- Retail Maturity: Despite low recent returns, SIP flows remain strong at ₹30,000 Cr/month, signaling a structural shift in how Indians save.
- Middle-Income Trap: India is currently at an early stage compared to Korea or Taiwan; the risk of a "trap" usually stems from extreme socialist policies .
- IPOs are Vital: IPOs are not just "exits" for VCs; they are a funding mechanism for businesses that eventually create jobs and grow the economy.
- Alpha Potential: India remains one of the richest markets for alpha globally, especially for managers using a bottom-up research approach.




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 landmark episode of Paisa Vaisa, Anupam Gupta reunites with the leadership team at White Oak Capital&mdash;Founder Prashant Khemka and CEO Aashish Somaiya&mdash;to dissect the radical transformation of the Indian market over the last three years. As the Nifty has surged from 18,000 to 26,000 and SIP inflows have hit a staggering ₹30,000 crores per month, we explore whether the Indian retail investor has finally matured or if we are simply chasing the latest momentum in gold and silver.
Prashant Khemka provides a rare global perspective, drawing parallels between India&rsquo;s current economic cycle and the "middle-income traps" that have historically hindered countries like Brazil. He breaks down why a realistic 11% pre-tax return is the "gold standard" for the next two decades and why the "alpha potential" in India remains among the richest in the world for bottom-up investors.
Aashish Somaiya addresses the "dark side" of social media and the rise of finfluencers, explaining why it is the industry's moral duty to speak to the younger generation in relatable terms. Together, they reveal the "Chemistry of Investing"&mdash;a framework showing how strategic equity allocation can actually improve risk-adjusted returns without the volatility most investors fear. Whether you are worried about the "exit" of private equity via IPOs or wondering how to stay disciplined when the market goes nowhere, this masterclass provides the roadmap for your 20-year wealth creation journey TAKEAWAYS&nbsp; -Realistic Expectations: Investors should aim for roughly 11% pre-tax returns (9% post-tax) over a 20-year horizon based on GDP growth and inflation . - The Behavioral Gap: The biggest threat to wealth isn't fund fees; it&rsquo;s the retail habit of getting in and out of the market at the wrong time. - Retail Maturity: Despite low recent returns, SIP flows remain strong at ₹30,000 Cr/month, signaling a structural shift in how Indians save. - Middle-Income Trap: India is currently at an early stage compared to Korea or Taiwan; the risk of a "trap" usually stems from extreme socialist policies . - IPOs are Vital: IPOs are not just "exits" for VCs; they are a funding mechanism for businesses that eventually create jobs and grow the economy. - Alpha Potential: India remains one of the richest markets for alpha globally, especially for managers using a bottom-up research approach. 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 ₹30,000 Cr Monthly Inflows Change Everything | Paisa Vaisa | Anupam Gupta

In this episode of Paisa Vaisa, host Anupam Gupta welcomes Jonathan Guthrie, a veteran award-winning journalist and the former head of the renowned Lex column at the Financial Times. With a career spanning decades at the heart of London’s financial district, Jonathan shares deep insights from his latest book, The Truth About Investing.

The conversation dives into the fundamental shifts in the global investment landscape, comparing the mature UK stock market with the rapid financialization of savings in India. Jonathan breaks down the "Lex test" for evaluating deals and offers a masterclass on navigating the complexities of active vs. passive investing, the dangers of status anxiety, and the reality of risk and advice.

Key Discussion Points:


The Philosophy of Investing: Why managing money cautiously over long periods beats any "get rich quick" scheme.


Active vs. Passive Debates: Understanding that passive funds don't entirely eliminate human error and how to choose an active manager with a "special sauce".


Financial Red Flags: How to spot "juiced" sales metrics, misleading Total Addressable Market (TAM) claims, and why you should be skeptical of "star managers".


The AI Revolution: Jonathan’s take on the current Artificial Intelligence bubble, potential value destruction, and the lessons learned from previous tech fads.


The Concept of "Negative Compounding": How inflation and recurring fees can quietly erode your long-term spending power.


Market Outlook for 2025-26: Thoughts on geopolitical volatility, the role of India as a pivotal state, and the defensive value of domestic defense stocks.

Recommended Reading List from Jonathan Guthrie:


The Truth About Investing by Jonathan Guthrie


The Intelligent Investor by Benjamin Graham (with notes by Jason Zweig)


The Great Crash 1929 by J.K. Galbraith


Capitalism by John Plender

Whether you are a DIY investor managing your own portfolio or just starting your journey in the Indian equity markets, this episode provides a professional framework to help you think like a seasoned financial analyst.



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, host Anupam Gupta welcomes Jonathan Guthrie, a veteran award-winning journalist and the former head of the renowned Lex column at the Financial Times. With a career spanning decades at the heart of London&rsquo;s financial district, Jonathan shares deep insights from his latest book, The Truth About Investing.
The conversation dives into the fundamental shifts in the global investment landscape, comparing the mature UK stock market with the rapid financialization of savings in India. Jonathan breaks down the "Lex test" for evaluating deals and offers a masterclass on navigating the complexities of active vs. passive investing, the dangers of status anxiety, and the reality of risk and advice.
Key Discussion Points:
<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 Philosophy of Investing: Why managing money cautiously over long periods beats any "get rich quick" scheme.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Active vs. Passive Debates: Understanding that passive funds don't entirely eliminate human error and how to choose an active manager with a "special sauce".
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Financial Red Flags: How to spot "juiced" sales metrics, misleading Total Addressable Market (TAM) claims, and why you should be skeptical of "star managers".
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
The AI Revolution: Jonathan&rsquo;s take on the current Artificial Intelligence bubble, potential value destruction, and the lessons learned from previous tech fads.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
The Concept of "Negative Compounding": How inflation and recurring fees can quietly erode your long-term spending power.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Market Outlook for 2025-26: Thoughts on geopolitical volatility, the role of India as a pivotal state, and the defensive value of domestic defense stocks.
</li>
</ul>
Recommended Reading List from Jonathan Guthrie:
<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 Truth About Investing by Jonathan Guthrie
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
The Intelligent Investor by Benjamin Graham (with notes by Jason Zweig)
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
The Great Crash 1929 by J.K. Galbraith
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Capitalism by John Plender
</li>
</ol>
Whether you are a DIY investor managing your own portfolio or just starting your journey in the Indian equity markets, this episode provides a professional framework to help you think like a seasoned financial analyst. 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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