Paisa Vaisa with Anupam Gupta

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

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 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.

From Engineering to CareEdge Ratings CRO: Sachin Gupta’s Masterclass | 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 YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & Instagram See omnystudio.com/listener for privacy information.

The Moonlighting Reality Check: Can You Get Fired? | CA Isha | 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 YouTubeExplore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM PodcastsWe’re @ivmpodcasts on Facebook, Twitter & Instagram See omnystudio.com/listener for privacy information.

Story of Society Tea: From 1924 Tea Traders to Iconic Indian Brand | Paisa Vaisa | IVM | Anupam Gupta

In this episode of Paisa Vaisa, Anupam Gupta sits down with Karan Shah, Director of Society Tea, to decode the century-long journey of one of India's most beloved brands. Starting as tea traders in 1924 under the name Hasmukhrai & Co., the family successfully transitioned into the packaged tea market in the late 1980s. Karan discusses how they avoid the "third-generation curse" by maintaining a lean, agile family structure and a relentless focus on quality over complacency. We dive deep into their vertical integration strategy—including building their own state-of-the-art milk factory—to ensure their "One Minute Tea" remains true to the authentic Indian palate. Whether you are a business enthusiast or a chai lover, this conversation offers a masterclass in brand longevity and fighting off multinational competition TAKEAWAYS- Legacy Meets Agility: Society Tea blends a 100-year heritage with agile, family-led leadership to outperform global multinational competition. Gut-Driven Brand Identity: Their iconic blue packaging was a "gut feel" decision that successfully defied negative market research and surveys. Control Through Integration: The company built a dedicated milk factory to ensure their "One Minute Tea" premix remains true to authentic chai. Convenience Without Compromise: Their innovation focuses on delivering speed without sacrificing quality by using real ingredients like hand-crushed cardamom. The Sensory Comeback: Society is expanding physical "Tea Terminals" to revive the traditional, sensory ceremony of chai for modern consumers.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 & Instagram See omnystudio.com/listener for privacy information.

Nifty Outlook 2026: Why Arbitrageurs are Betting on High Volatility This Year

Are you tired of watching your Fixed Deposit returns get eaten away by high taxes and inflation? In this deep-dive episode of Paisa Vaisa, Anupam Gupta sits down with Sailesh Jain, Fund Manager at Tata Asset Management, to unlock the mechanics of Arbitrage Funds. Many investors overlook this category, yet it remains one of the most efficient ways to park your spare cash while enjoying the tax benefits of equity. Sailesh Jain explains the concept of "riskless profit" through a simple mango market analogy, showing how buying in the cash market and simultaneously selling in the futures market locks in a predictable spread. Unlike traditional equity funds, arbitrage funds thrive on market volatility. When the market swings, the price mismatches between cash and futures expand, allowing seasoned fund managers like Sailesh Jain to "harvest" higher returns for their investors. We explore why these funds have become a staple for HNIs and retail investors alike, especially with the 2026 tax regulations offering a significant edge through 12.5% Long-Term Capital Gains (LTCG). Sailesh Jain provides a rare look into the "special situations" that drive Tata’s consistent outperformance, including dividend arbitrage and corporate actions. Whether you are managing corporate treasury or just looking for a better alternative to your savings account, this episode provides a clear roadmap. We also look ahead to the 2026 Budget and the broader Indian economic outlook, with Sailesh Jain projecting why India remains a superior market for both debt and equity investors despite global geopolitical tensions. By the end of this conversation, you will understand how to build a "linear" and steady portfolio that lets you sleep peacefully even during market turbulence. Key Take away Understanding Arbitrage Mechanics: Sailesh Jain explains how to generate profit by exploiting price gaps between cash and future markets. Volatility as a Tool: Discover why market swings during major events actually increase the earning potential of arbitrage strategies. Taxation Advantage in 2026: A breakdown of how the 12.5% LTCG rate makes arbitrage funds more profitable than FDs on a post-tax basis. Risk Management and Safety: Insights into how Tata AMC protects capital during extreme market crises like COVID and GFC. Economic Outlook for 2026: Sailesh Jain shares his projections for 15% earnings growth and India's position in the global economy.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 & Instagram See omnystudio.com/listener for privacy information.