Economically Yours

Joining a family of CAs was not in the right mix for someone who has a mantra of ‘Aaj kuch toofani karte hai’ up his sleeve. Writing for a political party back in 10th standard to successfully starting a fintech company, Mr. Kanan Bahl has been a part of a unique rollercoaster ride. He has a clientele that includes PhysicsWallah and Groww, helping them expand their finance channels and sharing his expertise with a unique audience.

A household that was dominated by CNBC Awaaz than Star Plus in television, it was a no-brainer that he would end up weaving his career in finance. Moreover, a demat account at the age of 19 speaks volumes about the importance of starting early, be it writing for your passion or investing for a secure future.

Discretionary, banking & the asset management space continue to remain the hot favorites for our guest speaker. He expresses that one needs to plan investments first, irrespective of the tax regime introduced by the government.

From building a personal brand to practicing frugality in finance, there are several aspects one needs to keep in mind when it comes to money.

This episode teaches a lot about starting early, staying in the game, INVEST, INVEST, INVEST and have a passion for whatever you do. Tune in to cash in on the gains, a risk-reward ratio never seen before and learnings from an experienced investor, entrepreneur and fin-fluencer.

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India’s macro story has never been dissected to this detail and it is always a privilege to have a conversation about the same with someone who has been featured on Forbes’ 40 under 40. A value investor & a venture capitalist, Mr. Nevil Shah is full of positivity, optimism and places his bet on India’s long term story.

A proprietary investor, he started his journey in 2006, witnessing the 2008 Global Financial Crisis at close quarters and his vast experience concludes that the market is the driver, not an individual.

He exclaims we (India) are in Amrit-kaal as far as the fortunes are concerned. Infrastructure, technology, green energy budget, GIFT city, UPA linkage with Singapore, and so on are some of the key milestones that one will look back to once India is at the pinnacle.

‘Move to understand, study the market and then invest for the long term’ is the Nevil Shah mantra for longevity in the financial market. He further mentions that the macroeconomic fundamentals of our country are very strong at the moment.

Tune in to understand the ‘chicken and egg’ situation currently ongoing in the world of startups, and explore the the macroeconomic fundamentals of our country that are all set to play out!

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In the post-Covid era, people have now understood the importance of owning a home & quite evidently, Real Estate turns out to be one of the 'idiot-proof' investments available out there! In this episode, Parag & Charmi talk about the Real Estate industry - Here’s the key to your next home, your first REITs’ investment, the crucial decision between buying or renting a home, the customer’s & developer’s side of costing & the outlook on the real estate industry for the next 20-25 years. Real estate ranks among one the safest mode of investment in India and what better way to hear it’s growth story than to have a conversation with one of the leaders in the industry. We say ‘Home is where the heart is’ but Mr. Parag Saraiya exclaims that ‘Home is where lives are transformed’. Be it for your investment or your new address, Rustomjee has redefined the real estate sector like no other. Heralding projects for HCL in Chennai or America and working his way through Tech Mahindra, UK, and ADAM Realty he has seen millions of houses and bank accounts blossom. From discussing about ultra rich consumers, the upper middle class consumers and first-time home buyers to the use of technology in designing a home, the episode has captured India’s real estate growth story to a large extent. We dive deep into various costs involved from the customer’s and developer’s point of view and the emergence of REIT’s as a means of allocating towards real estate. Tune in to learn the nuances about the housing sector and why buying at the right time is an ideal option for you.

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You get a glimpse of India’s growth story when the guest speaker opens up the episode by stating that ‘I’ve had the lucky fortune of building digital companies in India for the last 10+years.’ (Let that sink in!)

(Disney) Hotstar in the entertainment space, CouponDunia in the intial phase of his career, then onto co-founding PharmEasy in the healthcare sector, and now as the Co-founder, CEO & MD at Apollo Finvest- a BSE listed NBFC, makes it a diversified portfolio in terms of experiences for Mikhil Innani. Loud & clear, Apollo Finvest, that’s not another Bajaj Finance, is the “AWS of lending.”

From discussing entrepreneurship as a need or trend to throwing light on why chasing VC money is equivalent to securing a home loan and how embedded lending could change the dynamics of finance inclusion in the country, Mikhil played around with the words ‘Integration’ & ‘Technology’ that helped him sail through different sectors.

Mikhil is on a bringing-a-change spree via technology, financial inclusion, and building the right team for the best of the times ahead!

Tune in to this episode as we discuss the growth of FinTech in India & how Financial Inclusion is going to play a pivotal role in this growth story, that’s just begun!

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The digital learning space is in a new tangent altogether nowadays but who would have thought about eLearning in 2008? Kolkata-based Vivek Bajaj and Vineet Patawari, the co-founders of elearnmarkets, pursued their vision of creating a platform that would make financial education accessible to all. Today, with over 3.5 million users, elearnmarkets has become a go-to destination for anyone looking to learn about markets and investing.

But they didn't stop at elearnmarkets. They recognized the need for a tool that would help investors make more informed decisions, and that's how StockEdge, a "Bloomberg for individuals,” was born, offering a wealth of data and analysis to help investors navigate the complexities of the stock market.

For Vineet, the goal was always to make investing easier and more accessible to everyone. 

To that end, he has brought his own money to the table, building a platform filled with market experts, live interactive sessions, and a wide variety of courses designed to help investors up their game before they enter the markets. It's this commitment to innovation and accessibility that led him to win the award for "Innovation Leadership."

If you're a retail investor who’s looking to learn more about the world of finance and investing, elearnmarkets and StockEdge are two platforms that should definitely be on your radar. With their focus on education and empowerment, they're helping to make India a more financially inclusive place. And with Vineet at the helm, you can be sure that they'll continue to innovate and push boundaries in the years to come.

Economically Yours S02E08

Speaker: Prince Jain, Founding Team, CheQ

Host: Charmi Shah

'Fascinated by Fintech and jotting down points around lending and finance, alongside working on lending products,' is how Prince Jain introduces himself on this episode of Economically Yours. It is indeed fascinating to dive deep into the FinTech Lending & Payments space, in India.

Currently building CheQ, Prince discusses the battlefield against Kunal Shah's CRED. Credit card repayments have taken a unique turn with CRED but CheQ takes you a notch above with its business model and asli rewards!

The discussions circle around what has given a major boost to the finance sector - be it restructuring pre-approved credit lines, the emergence of Rupay Credit card on the UPI platform, or the increase in Credit Card users in India.

Conversations over finance or money barely end without talking about a different chapter in cryptocurrency and its best use. However, Prince firmly disagrees to the idea of cryptocurrency playing a potential role in the future of payments in India.

Tune in to this podcast for insights on finance, money and all the chatter about what's going in and out of your wallet!

Economically Yours S02E07

Speaker: Aprajita Sharma, Financial Journalist Co-Hosts: Charmi Shah & Darshan Joshi

One of the best ways to start your investment journey is via reading, researching and keeping your theory rejuvenated. It takes time and effort to build that growth story, just like India, but it is worth it in the end. Ms. Aprajita Sharma’s journey has been quite rejuvenating and bountiful of returns.

She spoke at length about the recent covid related retail euphoria in the markets, outside noise that one needs to maneuver and the nuances between trading and investing.

Observing basic parameters like ROE, ROCE, debt levels, and strong conviction levels is necessary for retail investors to start their journey in the market.

She strongly believes that IT, digital public infrastructure and consumption theories will continue to pan out in favour of India. Quite a few policies coming in and going out but one needs to stick to their own policy and continue playing the long term game.

These days conversations barely end without AI coming into the picture and how it has already left its mark. However, our guest speaker is of the opinion that one needs to upskill, innovate and keep growing. Tune in now to understand the remarkable journey of a finance-enthusiast woman and how she manages her relationship with money.

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Economically Yours S02E06

Speaker: Lakshmi Iyer, CEO, Investment Advisory, Kotak Investment Advisors Ltd

Co-Hosts: Charmi Shah & Darshan Joshi

A sumptuous assorted Indian thali calls for sweets and savouries followed by a gala time with friends and family discussing the next marriage in the household or ways to be even wealthier. Families continue to unlock growth, be it the human race or investing their savings in stocks, bonds, & beyond. However, they are yet to go beyond as the pandemic has rewarded them with deep discounts on stocks and it’s time to bond over soups and salads or yields/interest rates, so to say. 

Mrs. Lakshmi Iyer continues to be ‘bond and beautiful’ as she turns CEO of Kotak Investment Advisory business making her personal yield curve reach another horizon. 

Atithi devo bhava encompasses the ideology that guests are God but our guest has quite relished her 22-year-long stay in the household aka Fixed Income. She has been recognized as one of the Top 25 most influential women in asset management in Asia by Asian Investor and was featured on Forbes India W-Power 2022 in December last year. 

In today’s episode, she spoke at length about how equity and stocks work in tandem, the flattened yield curve and the impeccable run of the debt market over the last year or so. She is a complete teetotaller and derives her kick from bonds, bollywood, and basis points. Global headwinds, India demographics, the role of central bankers and the tug-o-war between inflation and growth makes up for that sumptuous thali.  

Episode 6 has been hit out of the park yielding maximum returns for all listeners. Hear it out as it sails through the boundary and into the crowd.

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Economically Yours S02E05

Speaker: Sriram Chidambaram, Founder & CEO, Spice Route Finance 

Co-Hosts: Charmi Shah & Darshan Joshi

Financial modelling is unique to each entrepreneur and has been evolving all through the years. It has surely helped bridge the gap between the investor and the founder. However, growth is not agiven post all the funding requirements are met. A suitable product-market fit, an ideal sales model and scaling the business could be potential milestones for any business to grow through the early years.

The finer nuances of financial modelling like working capital management, investment decisions in marketing and various costs incurred at different stages should help build a strategic financial plan for a startup. Spice Route Finance, through the vision of Mr Sriram Chidambaram, has understood the unit economics of several businesses and is here to share the importance of financial modelling for startups to move from the early to the growth stage.

Mr. Sriram Chidambaram has been a show-stopper for several businesses. Be it fashion or finance, a model or an analyst, each of them has worked the future cost of the decisions they take today.

Come, walk the ramp this X-mas with Episode 5 of Economically Yours and witness how to build a financially sound future for your business.

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Economically Yours S02E01