Why RBI Could Raise Rates Despite a Strong Indian Economy | Paisa Vaisa

Can your salary make you rich? Is ₹3 crore enough to retire? And how does an IPL team decide what a player is worth?

Moona Ssahni, Founder & CEO of Monaargy Consultancy and former CFO of Rajasthan Royals, speaks with Anupam Gupta about the money decisions behind an IPL team and the choices that shape our own financial lives.

Drawing on her 17 years at Rajasthan Royals, Moona explains how IPL teams earn revenue, manage expenses and approach buying players. The conversation then turns to building wealth from a salary, why earning more does not automatically mean having more, and what to do when you receive a salary hike.

They also discuss emergency funds, investing, rent versus buying a home, affordable EMIs and the lifestyle choices that can lead to debt. On retirement, Moona shares her framework for estimating how much invested money you might need, the assumptions behind it, and why the house you live in is different from investments that generate income.

From separate and joint bank accounts to children’s education, inheritance and ageing parents, this episode explores how money decisions change with family responsibilities.

Moona also shares ideas from her book, Money Karma: 9 Mantras to Fix Your Relationship with Money, including allocating money towards living, growing and giving.

Listen to Paisa Vaisa with Anupam Gupta for conversations about money, investing and business—and how they affect your life.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

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Your salary may stop at 60, but your retirement savings may need to support you at 75, 80 or 85. How do you plan for that?

On Paisa Vaisa, Pranay Ranjan Dwivedi, MD & CEO at SBI Pension Funds, speaks with Anupam Gupta about retirement planning in India, the National Pension System (NPS), and the risk of outliving your money.

They discuss NPS costs and management fees, equity performance, employer contributions and tax benefits under the new tax regime. The conversation also explores how starting earlier gives your investments more time to compound, including an illustration comparing joining at 29 versus 30 and a ₹25 lakh difference in projected retirement savings at 60.

As India’s population gets older and people live longer, this episode looks at the money decisions that can shape life after your last salary.

Listen to Paisa Vaisa with Anupam Gupta for conversations about personal finance, investing and financial planning in India.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

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Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta:
Twitter: @b50
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LinkedIn: Anupam Gupta

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What changes when your investments grow from a few lakhs to ₹1 crore and eventually much more? How should your portfolio, expectations and approach to risk evolve as your wealth grows?

On this episode of Paisa Vaisa, Anupam Gupta sits down with Srikanth Subramanian, Co-founder and CEO of Ionic Wealth, to break down how serious wealth is actually managed. They discuss what investors should look for in a wealth manager, the difference between investing and building a portfolio, realistic return expectations, multi-asset investing, global diversification and why chasing the latest investment trend can hurt long-term wealth creation.

Srikanth also explains common mistakes he sees across investor portfolios, when DIY investing may no longer be enough, why liquidity matters, how AI could change wealth management and why a ₹5 crore portfolio should be treated with the same seriousness as ₹500 crore.

If you're trying to move beyond simply picking mutual funds and stocks and start thinking about your money as a complete portfolio, this conversation offers a practical framework for doing it.

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

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What actually drives sales advertising, PR, influencers, content, or simply spending more?

In this episode of Paisa Vaisa, Anupam Gupta sits down with Aakanksha Gupta, Founder of The Other Circle, and Anuraag Gupta, Co-founder of The Other Circle, to break down how businesses should really think about marketing money.

They discuss why millions of views don’t necessarily translate into customers, where brands waste their marketing budgets, when influencer marketing actually works, and why popularity and purchase intent are two very different things.

The conversation also explores ROAS, brand trust, earned vs owned media, the marketing funnel, PR measurement, crisis communication, and how a startup should think about allocating a limited marketing budget across ads, influencers, content and PR.

They also go inside the business of running a PR agency from pricing and people costs to how AI is changing productivity and the way communication teams operate.

If you’re a founder, marketer, business professional or simply curious about what turns attention into actual sales, this episode breaks down what happens between being seen, being trusted and being bought.

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
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LinkedIn: Anupam Gupta

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Why do smart investors still make bad decisions even when they know better?

In this episode of Paisa Vaisa, Anupam Gupta speaks with Kumaar Bagrodia, Founder & CEO of NeuroLeap, about the neuroscience behind the way we invest, trade and react to money.

Kumaar explains how fear, greed, FOMO, anxiety, recency bias and our underlying brain patterns can influence financial decisions especially when markets become volatile and real money is at stake.

They explore why your actual risk appetite may only reveal itself when your portfolio starts falling, why investors panic-buy or panic-sell, and why having more information or financial knowledge doesn't always lead to better decisions.

The conversation also dives into the thin line between investing and gambling, the psychology behind F&O and leveraged trading, how financial media and social media can influence investor behaviour, and why some of our worst decisions happen even when our investment thesis is sound.

Anupam and Kumaar also discuss practical ways to understand your own investment patterns, the importance of tracking why you buy or sell, and how AI could change the way we make financial decisions.

If you've ever wondered why you know what you should do with your money but still end up doing something completely different this episode is for you.

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

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See omnystudio.com/listener for privacy information.

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

See omnystudio.com/listener for privacy information.

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

See omnystudio.com/listener for privacy information.