Paisa Vaisa with Anupam Gupta

Hosted by IVM Podcasts

BusinessInterviews guestsExplicit

Website RSS feed LinkedIn Facebook Instagram YouTube

Episodes

585

Latest episode

Jun 2026

Language

About the show

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.

Listen to episodes

60 recent

June 15, 20261 hr 7 min

Starting From Scratch? Here’s How To Build A Serious Equity Portfolio

On this episode of Paisa Vaisa, host Anupam Gupta is joined by Harini Dedhia, Fund Manager at Tamohara Investment Managers, for a wide-ranging conversation on investing, stock picking, portfolio construction, AI, pharma, and the future of Indian equities. Harini shares her journey into investing, the hard lessons she learned from the stock market, and why she believes investing is simple but human behavior makes it complicated. She explains why the old “buy and forget” examples may not work the same way for today’s generation, why disruption has changed long-term investing, and what retail investors often get wrong when they act on public information. The episode also explores SIPs, midcaps, smallcaps, second-order thinking, DCF models, pre-mortems, global investing, and how serious equity portfolios are built. Harini breaks down Tamohara’s approach to finding businesses that can grow faster than India’s nominal GDP, gain market share, and compound over time. Anupam and Harini also discuss why India may not be an anti-AI trade, how AI could accelerate drug discovery, why pharma CDMO and API manufacturing matter, and how small engineering companies and premium consumption could become important investing themes. A sharp and practical episode for anyone interested in Indian markets, long-term investing, direct stocks, mutual funds, PMS strategies, and wealth creation.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 & moreWatch full episodes right here on YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

June 8, 202646 min

How do NBFCs approve loans with zero current income?

Can you fund a world-class higher education without draining your parents' retirement funds or destroying your own financial future? On this episode of Paisa Vaisa, host Anupam Gupta is joined by Vivek Baranwal, CBO, Education Loan - Domestic Business at Avanse Financial Services. Together, they break down the structural shift in how student loans are evaluated in India today. Learn how modern lenders underwrite based entirely on a student's future income potential, the realistic costs of top-tier Indian engineering, MBA, and medical programs, and the critical importance of maintaining a clean co-applicant credit score. Vivek also shares invaluable data on using micro-loans for short-term upskilling in AI and Data Science to combat India's 45% unemployability rate, and how international campuses in Gift City are changing the game. Whether you are a parent planning ahead or a young professional looking to upgrade your skills, plug in your earphones for a highly pragmatic take on balancing career dreams with financial reality. Tune in for an engaging discussion on creativity, careers, business, and the evolving world of entertainment. 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 & moreWatch full episodes right here on YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

June 1, 202658 min

The Hidden Economics Of Entertainment (Bollywood)

What does it really take to build a successful career in the entertainment industry? In this episode of Paisa Vaisa, Anupam Gupta speaks with Amita Madhvani about the business of storytelling, the realities behind filmmaking, and the lessons creative industries can teach all professionals. The conversation explores the economics of movies, where leverage and decision-making power truly sit, the challenges of building sustainable careers, and why staying trapped in survival mode can limit long-term growth. Amita also shares insights from her journey in entertainment, reflections on filmmaking during COVID, and her thoughts on what makes stories connect with audiences. Tune in for an engaging discussion on creativity, careers, business, and the evolving world of entertainment. 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 & moreWatch full episodes right here on YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

May 25, 202648 min

AI Could Soon Handle Payments For You | Paisa Vaisa

In this episode, Anupam Gupta speaks with Girish Krishnan, Director, Payments & Merchant Services at Amazon Pay India, about how digital payments in India are evolving beyond UPI and what the next phase of the country’s fintech revolution could look like. The conversation explores how payments are becoming increasingly invisible, how AI could shape the future of transactions, and why trust remains the foundation of digital finance. Girish shares Amazon Pay India’s vision for simplifying the daily payment and financial needs of every Indian while ensuring security, fraud prevention, and seamless user experiences at scale. They also discuss how UPI transformed payments in India, why cash may soon become an exception, and what the next major innovation in India’s digital payment ecosystem could be over the next 10 years. This episode offers a sharp look at AI, fintech, digital banking, payment infrastructure, and the future of money in India. 🎙 Host: Anupam Gupta 👤 Guest: Girish Krishnan - Director, Payments & Merchant Services, Amazon Pay India 🏢 Company: Amazon Pay IndiaFrom 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 YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

May 18, 202646 min

What India Needs to Fix for the Next Decade

Why has India struggled to fully realise its economic potential? How will AI impact emerging economies like India? And where do investors actually find long-term alpha today? This episode explores India’s economic journey, the global AI shift, investing frameworks, market behaviour, and the evolution of Indian capital markets. From small-cap investing and economic profit to deeper reflections on capitalism and spirituality, this is a wide-ranging conversation on markets, growth, and the future. A thoughtful listen for investors, founders, operators, and anyone interested in business, economics, and India’s next decade.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 YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

May 11, 202650 min

How axio Grew During India’s Fintech Boom ft. Sashank Rishyasringa

In this episode of Paisa Vaisa, Anupam Gupta speaks with Sashank Rishyasringa, Co-founder of Axio, about startups, fintech, India’s evolving credit culture, and the future of consumer lending. They discuss the rise of checkout financing, Amazon’s acquisition of Axio, why startups are a “test match” and not a “T20,” the dangers of easy credit, how Indians should think about loans and EMIs, and why simplicity matters in both business and financial products. The episode also explores credit scores, BNPL, UPI, startup resilience, and lessons from author Haruki Murakami that apply surprisingly well to entrepreneurship. In this episode of Paisa Vaisa, Anupam Gupta speaks with Sashank Rishyasringa, Co-founder of Axio, about startups, fintech, India’s evolving credit culture, and the future of consumer lending. They discuss the rise of checkout financing, Amazon’s acquisition of Axio, why startups are a “test match” and not a “T20,” the dangers of easy credit, how Indians should think about loans and EMIs, and why simplicity matters in both business and financial products. The episode also explores credit scores, BNPL, UPI, startup resilience, and lessons from author Haruki Murakami that apply surprisingly well to entrepreneurship.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 YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

May 4, 202656 min

The Middle Class Is Breaking - Here’s Why | Ft. Saurabh Mukherjea

In this episode of Paisa Vaisa, Anupam Gupta speaks with Saurabh Mukherjea, Founder, Marcellus Investment Managers, and Nandita Rajhansa, Economist, Marcellus Investment Managers, about their latest book Breakpoint. The conversation explores the growing pressure on India’s middle class from falling real wages and rising personal debt to a changing job market shaped by automation and AI. They discuss why traditional white-collar jobs are becoming less reliable, how the supply of graduates is outpacing demand, and why India may have “work” but not enough stable “jobs.” The episode also looks at behavioral shifts, including consumption-driven debt and stock market participation, and the risks they pose. Despite the challenges, the guests highlight emerging opportunities in entrepreneurship, gig work, and new business models. A must-listen for anyone navigating careers, money, and the future of work in India.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 YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

April 27, 202648 min

How Regulation Is Building India’s Next Big Investment Market

This episode of Paisa Vaisa with Anupam Gupta dives deep into fixed income investing, bonds, and high yield opportunities in India. Nikhil Agarwal, Founder & CEO of Grip Invest, explains: Why most Indians are stuck between 6% FD returns and volatile equity markets How bonds offer 10–12% fixed income opportunities The real difference between fixed vs guaranteed returns Risks of defaults, frauds, and what investors MUST understand How SEBI regulations are changing the bond market Why bonds could become mainstream in the next 3–5 years If you’ve only invested in FDs, mutual funds, or stocks this episode will change how you think about asset allocation. 🎯 Topics covered:Fixed income investing, bonds in India, debt mutual funds vs bonds, high yield investments, portfolio diversification, bond risks, SEBI regulations, retail investing India TAKEAWAYSMissing MiddleIndia’s biggest investment gap lies between low-return FDs and high-risk equities. Retail AccessBonds went from ₹10 lakh minimums to ₹10,000 opening the market to everyone. Risk RealityFixed income means predictable returns, not guaranteed safety. Return GapSlightly higher risk in bonds can unlock significantly better returns vs debt funds. Regulation EdgeFintech success in finance is built on regulation, not just growth. Portfolio RoleBonds aren’t alternatives they’re becoming core to asset allocation.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 YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

April 20, 202645 min

Bad Vastu = Bad Income? Here's What a Celebrity Astro Architect Says About Your Money

What do Amitabh Bachchan, Shah Rukh Khan, and India's biggest real estate developers have in common? They've all worked with Astro-Architect Neeta Sinha the founder of a science called Astro-Architecture, and the only practitioner of it in the world. In this episode of Paisa Paisa, host Anupam Gupta sits down with Neeta Sinha for a conversation we have never had in 9 years of this podcast. We talk about how the energy and balance of your home or office directly impacts your income, decision-making, and financial clarity. We also cover what 2026 looks like for the war, the stock market, and your money. What you'll learn in this episode: What Astro-Architecture is and how it's different from Vastu & Feng Shui How Amitabh Bachchan's house was saved from financial ruin with just a name change Why Shah Rukh Khan was skeptical before calling Neeta and what changed How mirrors, plants, and colors can affect your income sector What Neeta predicts for the Bombay Stock Exchange and the ongoing war in 2026 Simple tips anyone can use to improve financial clarity from home Whether you believe in it or not, this is one of the most fascinating conversations we've ever had on Paisa Paisa. Watch till the end for Neeta's personal tips for our audience. 🎙️ Paisa Paisa is a finance podcast hosted by Anupam Gupta. New episodes every week.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 YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

April 13, 202647 min

The Flexibility in Repayment That Banks Quietly Killed Years Ago | Paisa Vaisa

What if the smartest investment in the room isn't equity and it isn't your FD either? In this episode of Paisa Vaisa, host Anupam Gupta sits down with Shantanu Sahai, Executive Director and Head of Private Credit at ASK Alternates, to break down one of the most misunderstood and fastest-growing asset classes in India Private Credit. Shantanu brings 25 years of global credit experience across Deutsche Bank, Barclays and Nomura, having structured over 300 transactions across sectors as diverse as mushrooms and flight simulators. Today he explains why private credit is not just for distressed companies, why it can generate returns from low teens all the way to 30%, and why chasing yield without understanding risk is the single biggest mistake most investors make. This conversation covers the full picture from how a customised loan works versus a bank loan, to what an AIF actually is, how interest payments flow to investors, and what happens when deals go wrong. Shantanu also shares his unfiltered view on India's K-shaped recovery, which sectors are on fire right now, and why Indian corporate balance sheets are the cleanest they have been in two decades. Whether you are an HNI exploring alternatives to equity, a family office evaluating private credit funds, or simply someone trying to understand where smart money is moving this episode will change how you think about debt as an asset class.Key Takeaways - Every Deal Is Different - Private credit is structured from scratch for each borrower, making it one of the most bespoke asset classes in finance. Higher Returns, Not Higher Risk - The return premium in private credit comes from customisation, not from lending to risky or distressed businesses. Risk Appetite Comes First - Deciding your comfort with risk before chasing a return target is the only right way to approach any alternative investment. 25 Years, Same 3 Patterns - Across 300 deals, desperation from lenders, over-optimism from borrowers and greed from investors remain the three most common reasons things go wrong. Your Capital Will Be Locked - Private credit requires a 3 to 4 year commitment, making it suitable only for investors who do not need immediate liquidity. India's Credit Cycle Is Strong - Corporate balance sheets are at their healthiest in two decades and bank NPAs are near historic lows, making this a strong entry point for credit investors.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 YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.