Konversation with Kushal

In this episode of Konversation with Kushal, Apurva Sharma-Founder of RAAS Capital, advising ₹400-500 crore with a 35-36% CAGR-reveals how he identified multibaggers like Piccadily Agro , Shilchar Technologies and Cupid , why he went 80% cash in September 2024 before the crash, and how he pivoted to silver miners, copper miners and uranium ETFs globally.He breaks down why Brazil at a PE of 10 is the next big opportunity, shares his 40-50% India / 20-25% global allocation framework, and drops a bombshell on "name lending"-the hidden practice where promoters pay big investors to hold their stock for optics.1-Multibagger Case Studies: Piccadily (Indri whisky), Shilchar (transformer boom) & Cupid- exact entry, exit and thesis.2-80% Cash Call In Sept 2024: Yield curve inversion, PEG ratio warning.3-Mining ETFs: Silver miners $31 to $100, copper miners $41 to $120, 4-Brazil At PE 10: How to invest From india 5-Name Lending Exposed: How the parallel stock market economy really works behind the curtain.🔔 SUBSCRIBE for more deep dives with India's sharpest investors!#KonversationWithKushal #ApurvaSharma #RAASCapital #MultibaggerStocks #MicroCapInvesting #BrazilStockMarket #UraniumInvesting #SilverMiners #IndianStockMarket #GlobalAssetAllocation

Balaji Vaidyanath, Co-founder & CIO of NAFA Asset Managers, manages ₹1,200 crore with a 19-20% CAGR over 10 years on his flagship Emerging Bluechip product. In this episode, Balaji reveals how tracking 100-150 international company earnings calls gives him an edge on Indian stocks, and why Nifty 50 is structurally broken-with 55% of the index facing serious headwinds. What You'll Learn:1-How Pepsi's and Whirlpool International's earnings calls reveal Indian subsidiary results days before they're announced-and how NAFA used this to exit Whirlpool India before a bad quarter hit.2-Indian politicians hold 99% of their ₹29,000 crore declared wealth in land and real estate- only 1% in equities and mutual funds.🔔 Hit SUBSCRIBE and turn on notifications so you never miss a deep dive with India's sharpest investing minds!#balajivaidyanath #nafaassetmanagers #pmsindia #smallcapinvesting #nifty50 #stockmarketindia #d2cdisruption #konversationwithkushal #kushallodha #midcapstocks

Konversation with Kushal brings podcast with - Amisha Vora, MD & Chairperson of Prabhudas Lilladher, and Siddharth Vora, Executive Director at PL Capital. Amisha shares how she joined as an employee, grew brokerage from ₹1 crore to ₹100 crore in five years, converted her bonus into equity, and ultimately bought out the promoters by pledging her own house. Siddharth breaks down AQUA - his Adaptive, Quantitative, Unbiased, Alpha-focused multi-factor quant strategy and why quant is less than 1% of India's AUM vs 35-40% globally.What You'll Learn:1. Employee To Owner : Amisha's journey from ₹1,800/month salary to buying out the entire company through equity conversion and structured finance.2. The AQUA Framework : How Siddharth's model dynamically shifts weights across Quality, Growth, Value, Momentum & Low Volatility based on market cycles.3. Multibagger Exits : BSE, Cochin Shipyard, Mazagon Dock, Nippon India, NALCO-identified by the model before the crowd.4. India's Quant White Space : Why PL Capital's 20-member quant team with an upcoming mutual fund license is built to capture a massive gap.5. Rakesh Jhunjhunwala Stories : Amisha's personal interactions with Big Bull and what made him different from every other investor.🔔 SUBSCRIBE for more deep dives with India's sharpest investing minds!#amishavora #siddharthvora #prabhudaslilladher #plcapital #quantinvesting #quantinvestingindia #multifactorinvesting #aquastrategy #womeninfinance #konversationwithkushal

Rishabh Nahar, Fund Manager at Qode Advisors, manages ₹600-700 crore and has delivered a 31% annualised return since November 2024-a period where Nifty was flat to negative. In this episode, Rishabh breaks down exactly how quant investing works, why 68% of active fund managers fail to beat the benchmark over 10 years, and how a simple rules-based system using quality, valuation, and momentum filters generated a ~29% CAGR over a decade. He also builds a live quant model on screen, explains the Fed's money printing cycles and why sitting on cash is a terrible idea, reveals why gold in INR terms has crushed gold in USD terms, and shares what he learned from Jim Simons and Ed Thorp-the legends who hacked casinos before conquering Wall Street.What You'll Learn:1. How a simple quant model using just 3-4 filters (quality, valuation, momentum) delivered ~29% CAGR over 10 years-and why you don't need to be a coder to do it.2. The Valuation Spread Indicator (VSI) that told Rishabh to avoid small caps in 2024- and why 73% of listed companies were overvalued at the peak.3. Why gold in INR gives 452% returns vs 239% in USD over the same period-and how currency depreciation is silently building (or destroying) your wealth.4. The US debt crisis explained: $39 trillion in debt, $11 trillion to refinance, and why the next round of money printing could dwarf 2020.5. Jim Simons' 66% CAGR secret: hire PhD physicists, not finance graduates-and Ed Thorp's shoe-mounted roulette device that changed investing forever.🔔 Hit SUBSCRIBE and turn on notifications so you never miss a deep dive with India's sharpest investing minds!#rishabhnahar #qodeadvisors #quantinvesting #quantinvestingindia #momentuminvesting #stockmarketindia #goldvsequity #jimsimons #konversationwithkushal #kushallodha

Rahul Singh, CIO of Tata Mutual Fund (₹2,20,000 Cr+ AUM), breaks down his investing framework built over 20+ years-from CRISIL credit rating to managing equity and hybrid funds at Tata AMC.1-How to identify if a stock has "priced in" surprises-IT sector case study2-Why gold is a de-dollarization hedge for the next 3–5 years, while silver behaves like a cyclical commodity3-Power sector value chain decoded-thermal utilities, EPC, transmission, equipment suppliers4-Free cash flow yield, EBITDA traps, and valuation metrics that actually matter5-Simple 3-fund construct for young investors — Multi Asset, Flexi Cap, Small CapSubscribe to Konversation with Kushal for deep conversations with India's top money managers every week.#TataMutualFund #PowerSectorIndia #GoldInvesting2026 #SmallCapFunds #AssetAllocation #FreeCashFlowYield #ITSectorOutlook #DeDollarization #MutualFundInvesting

In this episode of Konversation with Kushal, seasoned value investor Naresh Kataria-a full-time investor with a 26% Plus CAGR over 21 years-shares his data-driven framework for spotting investment opportunities before the market catches on. From using Google Trends to predict loan growth and consumer demand months in advance, to explaining why the gold bull market started when the US froze $300 billion of Russian reserves,how crude oil above $85 historically crushes Indian markets, and why aluminum is a better commodity bet than copper right now. He also breaks down second-order effects- how the Ukraine war sent shipping stocks up 3-4x, how the LPSS scheme turned PFC and REC from penny valuations to 1.2x book, and why GLP-1 weight loss drugs could quietly benefit Indian cotton exporters.Here's what you'll learn in this episode:1. Google Trends As An Investing Tool: How simple searches like "EMI calculator" and "bike loan" predict actual business growth months before it shows up in company results.2. Why Gold Is Still In A Bull Market: Central banks doubled their buying to 1,000 tonnes/year after the US froze Russian reserves-but the retail frenzy has already cooled off.3. Gold Financiers Over Gold:When gold prices rise, gold lending NBFCs get near-zero credit costs, operating leverage, and massive loan growth-a smarter indirect play.4. Crude Oil's $85 Danger Zone: When crude crosses $85 and is up 30% from lows, Nifty small caps historically return 27% but FMCG stocks hold up with an 88% win rate.5. Commodities Super Cycle: Global investor positioning in industrial commodity ETFs is still at just 0.25% vs 3% at the last peak-the bull market may just be getting started.If you want to think like a quant-minded value investor who finds opportunity inside every crisis, this conversation is a must-watch.🔔 Hit SUBSCRIBE and turn on notifications so you never miss a deep dive with India's sharpest investors!#KonversationWithKushal #NareshKataria #GoogleTrendsInvesting #GoldBullMarket #CommoditySuperCycle #SecondOrderEffects #ValueInvesting #StockMarketIndia #CrudeOilImpact #MultibaggerStocks

In this episode of Konversation with Kushal, India's first micro-expressions decoder and body language expert Kanan Tandi-founder of Body Speaks Better-reveals the hidden signals every person leaks without saying a single word. From decoding why Samay Raina enters a stage like he already owns the crowd, to why Ranveer Allahbadia's listening face gets trolled while Raj Shamani mirrors every guest perfectly, Kanan breaks down the body language of Shah Rukh Khan, Dr. S. Jaishankar, Donald Trump and even Virat Kohli vs MS Dhoni. She shares her 7-step method to catch a liar, the biggest mistakes 18-25 year olds make in job interviews, how to read a handshake in seconds, and the 5 areas of alignment every couple must check before saying yes to an arranged marriage. Whether you're walking into your first interview, sitting across a potential life partner, or just want to read people better, this masterclass will change the way you see every conversation.Here's what you'll learn in this episode:1.How To Spot A Liar In 7 Steps: The baseline rule, why "withdrawals" expose a lie long before words do, and how silence becomes the final nail in the coffin.2. Crack Your Next Job Interview:Why your "Tell Me About Yourself" answer must change for every role, the response latency trick, and why a clean listening face matters more than what you actually say.3.Decoding Celebrities & Leaders: What Samay Raina's grand entry, Jaishankar's one-sided smirk, Trump's pulling handshake and SRK's evolution really reveal about confidence, power and control.4.The Handshake Code:How a bone-crushing grip, an endless shake, or hands buried in pockets instantly tell you who's confident, dominating, manipulative-or secretly very lonely.5. 5 Alignments Before Marriage: The Physical, Emotional, Financial, Psychological and Spiritual checklist-and the exact body language cues that decide whether it's a yes or a hard no.If you want to read people, build real confidence, and never get fooled by a fake smile again, this conversation is a must-watch.🔔 Hit SUBSCRIBE and turn on notifications so you never miss a deep dive that helps you grow sharper every week!#KonversationWithKushal #KananTandi #BodyLanguage #BodyLanguageExpert #MicroExpressions #HowToSpotALiar #InterviewTips #NonVerbalCommunication #BodyLanguageDecoded #KushalLodha

In this hard-hitting episode of Konversation with Kushal, noted economist and best-selling author of the Easy Money trilogy, Vivek Kaul, delivers the most honest, data-backed reality check on the Indian stock market that no influencer will give you. From decoding why retail investors always rush in at the exact peak, to calling out the "bacha party" of finfluencers telling people to break their FDs and go all-in, Vivek brings decades of forensic financial writing to expose what's really happening beneath the bull-run hype. He explains why CAGR is growth and not a guarantee, why "return OF capital matters more than return ON capital," why Warren Buffett should be your inspiration but not your role model, and shares his own boring-but-bulletproof portfolio. Whether you're an SIP investor, a small-cap chaser, or someone confused about gold, silver and the falling market, this is the conversation that will change how you think about wealth forever.Here's what you'll learn in this episode:1. The Reverse Law of Demand- Why investors only wake up after prices have already peaked, proven with the shocking gold ETF data where 36% of all inflows came in just two months at the top.2.CAGR Is Growth, Not a Guarantee The river-depth truth about "average" returns, why the Nikkei gave 0% for 35 years, and why those 15% SIP projections are dangerously misleading.3.Should You Stop Your SIP?-The fallacy of composition explained simply, and why SIP quietly became a victim of its own success in India's small and mid-cap space.4.The Finfluencer & Mis-selling Trap-Why anyone with a real money-making formula will never sell it to you, plus the ULIP, sectoral fund and crypto mis-selling happening right now.5.Japanese Housewives & The Yen Carry Trade-How Mrs. Watanabe's investment choices quietly move the Indian stock market, and the global money flows that fueled this entire rally.If you want to invest with humility, protect your capital, and stop falling for the hype cycle, this masterclass is a must-watch.🔔 Hit SUBSCRIBE and turn on notifications so you never miss a deep dive with India's sharpest financial minds!#VivekKaul #KushalLodha #KonversationWithKushal #SIPInvesting #ReverseLawOfDemand #YenCarryTrade #FallacyOfComposition #GoldETF #Finfluencers #StockMarketIndia

In this powerful episode of Konversation with Kushal, Kaustubh Ropalekar-Chartered Accountant, Founder & Managing Partner of Alpha Wealth Avenues, and an investor who has compounded his personal portfolio at over 30% CAGR for the last decade-breaks down the single biggest megatrend shaping India's next decade: Data Centres. From turning his initial capital into a 70X winner with CCL Products and catching a 100-bagger in Eicher Motors, Kaustubh shares the exact frameworks behind his multibagger journey and then decodes the entire Data Centre value chain for retail investors. He explains why "Data is the new Oil," why India's demand is 16X its current supply, how the AI boom is really a power and cooling story, and walks through the full architecture of a data centre- hyperscalers, colocation, captive and edge centres, GPUs vs CPUs, immersion cooling, and the ₹150 crore per megawatt cost structure. Most importantly, he reveals why he won't invest in data centre companies directly-and where the real "picks and shovels" money is being made instead. Whether you are a new investor or a seasoned one, this is a complete masterclass on margin of safety, sector cycles and spotting the next big structural theme before the market does.Here's what you'll learn in this episode:1. The Multibagger Mindset: How Kaustubh spotted a 70X (CCL Products) and a 100X (Eicher Motors), and the exact thesis behind both before they ran.2. Margin of Safety Decoded: The full pendulum framework of price vs value - price-to-perfection, value traps, asymmetric opportunities, and how to know exactly when to buy and when to exit.3. The Data Centre Value Chain: Why "Data is the new Oil," why India's demand is 16X its supply, and the four types of data centres every investor must understand.4. Why AI = Power + Cooling: How a single AI query consumes 10X more electricity than a Google search, and why power and cooling-not chips-are where the real opportunity lies.5. Picks & Shovels Investing: Why Kaustubh avoids data centre companies directly and instead bets on the ancillary value chain-cooling, power, cables and connectivity microcaps.If you want to understand how a CA-turned-fund manager actually researches a sunrise sector and builds real, scalable wealth, this conversation will change the way you look at investing forever.🔔 Hit SUBSCRIBE and turn on notifications so you never miss a deep dive with India's sharpest investing minds!#kaustubhropalekar #alphawealthavenues #datacentrestocks #datacenterindia #aistocksindia #multibaggerstocks #marginofsafety #picksandshovels #konversationwithkushal #kushallodha

In this episode of Konversation with Kushal, legendary small-cap investor Ashish Chugh-founder of Hidden Gems Advisory and the man who has read over 4,500 balance sheets — decodes the exact framework behind his biggest multibaggers including Avanti Feeds (100X), Natco Pharma (70X), Greenply (60X) and Bajaj Finserv (50X). Ashish breaks down his 3Q framework — Quality of Business, Quality of Management and Quality of Balance Sheet — and explains why he ignores PE ratios, why he actively hunts loss-making companies with positive cash flows, and why a stock available at ₹4 crore market cap once turned into a 100-bagger in just 3 years. He shares the raw psychology of small-cap investing, the difference between a company performing and a stock performing, and why "stomach for profits" matters more than IQ. From decoding the GVK Power write-off, the demerger arbitrage plays in Marico-Kaya and Arvind Smart Spaces, why SME IPOs are a strict NO, to how he turned ₹34 lakh into ₹8 crore between 2003-2005 — this is a masterclass for anyone serious about micro-cap and small-cap investing.Here's what you'll learn in this episode:1.The 3Q Framework: Why Quality of Business, Management and Balance Sheet-in that order — is the only filter Ashish uses to spot hidden multibaggers under ₹500 crore market cap.2.Why Loss-Making Companies Make The Best Buys: The exact reason a stock with ₹685 crore loss and ₹17 crore positive cash flow can be a no-brainer-and how to spot the difference.3.Stock Performance vs Company Performance:The single biggest mistake retail investors make, and why Ashish buys MORE when the company performs but the stock falls.4.The SME IPO Trap:Why 80% of SME IPOs trade 50-90% below their listing highs, and why secondary markets still offer better value than primary issues today.5. Demerger Arbitrage Explained:How small demerged entities like Marico Kaya and Arvind Smart Spaces turned into 10-20X returns in just 2 years — and how to spot the next one.If you want to understand how India's most respected small-cap investor actually thinks about risk, patience and balance sheets, this conversation will change the way you look at stocks forever.🔔 Hit SUBSCRIBE and turn on notifications so you never miss a deep dive with India's sharpest investing minds!#ashishchugh #hiddengems #smallcapinvesting #multibaggerstocks #microcapinvesting #valueinvestingindia #stockmarketindia #balancesheetanalysis #konversationwithkushal #kushallodha

In this episode of Konversation with Kushal, Mohit Bajaj, Founder of a fast-growing tyre recycling company heading for its IPO, breaks down how he built a 50 crore turnover business from scrap tyres - and why he believes the more fear you feel, the bigger the profit. From taking a ₹4 crore loan in 2005 by pledging his own house, to decoding the EPR (Extended Producer Responsibility) model, and the difference between natural, synthetic and recycled rubber, this is a raw masterclass on risk, conviction and building wealth from waste.Here's what you'll learn in this episode:1. The Risk = Profit Mindset: Why Mohit runs his business in the zones that scare him, and how fear is the truest signal of real growth.2. The EPR Goldmine: How EPR credits (just like carbon credits) created a new revenue stream that doubled his margins.3. Tyre Recycling Decoded: The full B2B model - crumb rubber, reclaim rubber, pyrolysis plants and who actually buys this material.4. White Spaces For New Entrepreneurs: Low-investment ideas you can start with ₹20-25 lakh and recover ROI in 2 years. Hit SUBSCRIBE and turn on notifications so you never miss a deep dive with India's sharpest business builders!#MohitBajaj #KushalLodha #TyreRecycling #IPOAnalysis #BusinessMindset #RubberRecycling #Entrepreneurship #StartupIndia #EPRCredits #ManufacturingBusiness #RiskTaking #BusinessGrowth #SaharanpurIndustrialist #WealthCreationIndia

In this episode of Konversation with Kushal, we sit down with Rohit Srivastava-Founder of India Charts & Strike Money and one of India's foremost experts on Elliott Wave Analysis, with 25+ years of experience reading the markets. In this masterclass, Rohit breaks down exactly how to apply Elliott Wave Theory to forecast Nifty, Gold, Silver, the Dollar Index and individual stocks - live, on real charts. If you've ever wondered how pros actually predict market targets instead of just following trends, this one's for you.In this episode, you will learn:1. What Elliott Wave Analysis really is-the 5-wave & 3-wave structure behind every trend2. The 3 unbreakable rules of Elliott Wave3. A live Nifty wave count and where the market heads next4. Rohit's targets for Nifty, Gold, Silver, Crude & Rupee-Dollar by 20265. How the Dollar Index drives commodities, emerging markets & Indian equities6. Fibonacci ratios and the Golden Ratio for pinpointing price targets7. His original "Value Wave Investing" framework-Elliott Wave meets fundamentals (Infosys, BHEL & IT examples)8. Why behavioural finance is the final piece of becoming a profitable investor🔔 Hit SUBSCRIBE so you never miss a deep dive with the sharpest minds in Indian markets!#RohitSrivastava #ElliottWaveAnalysis #NiftyPrediction #GoldPriceTarget #StockMarketIndia #TechnicalAnalysis #IndiaCharts #StrikeMoney #FibonacciTrading #ValueWaveInvesting #KushalLodha #konversationwithkushal

What does it take to go from selling vegetables on a Dadar footpath at 3 AM to becoming a Chartered Accountant running businesses across Oman and the UAE? In this deeply moving episode, we walk through the real streets where Abhishek's story began -the same spot where his father ran a vegetable stall, the 150 sq ft slum home in Vikhroli where five people lived and studied together, and the township he later gifted his parents so they could finally live the life they deserved. This isn't a story about luck. It's a story about a 13-year-old boy who sold 400–500 kg of vegetables in a three-hour window every morning, then went straight to school, college, and CA studies on barely four to five hours of sleep.From a daily income of ₹200–₹400 to a salary that crossed 2.5 lakh per month, Abhishek's journey is proof that your roots don't define your limits -they build your strength. Here's what you'll take away from this video:1. Why your struggles are not your weakness-they're the exact thing that makes you unbreakable2. How Abhishek balanced a vegetable stall, school, college, and one of India's toughest exams at the same time3. The mindset shift that took him from a 150 sq ft home to a 150-acre township4. What a fresher CA can actually expect to earn in Oman and the GCC right now5. The one belief that carried him through every hard situation: believe in yourself and never give upYour circumstances are your starting point, not your destination. Watch till the end — this story will stay with you.#KonversationWithKushal #CAJourney #SuccessStory #RagsToRiches #CharteredAccountant #MotivationalStory #SelfMadeSuccess #IndianEntrepreneur #NeverGiveUp #CAStudent #BelieveInYourself #FromSlumToSuccess #InspirationalStory #FinanceCreator #HardWorkPaysOff

In this no-nonsense roundtable on Konversation with Kushal, three of India's most trusted SEBI Registered Investment Advisers-Suresh Sadagopan,Harsh Roongta, and Lovaii Navlakhi-come together to bust every myth your bank, broker, and insurance agent has been selling you. From real estate return data to credit card traps to the right time to buy a house, this is the most honest, conflict-free personal finance conversation young India has been waiting for. Whether you are 22 and just starting out or 35 juggling EMIs and growing responsibilities, this will completely rewire how you think about money.In this episode, you will learn:1.The Two Financial Planning Traps Most Indians Fall Into-Why "I'll plan when I have more money" and "I already have enough" are both equally dangerous, and why financial planning is non-negotiable at every income level.2.The Real Estate Returns Truth Nobody Shows You-Actual 10-year rolling return data from Mumbai, Delhi, and Bengaluru, and why the belief that real estate always beats every other asset class is statistically false.3.The Credit Card Trap Hidden in Plain Sight-Nobel Prize-winning economist Richard Thaler's "Pain of Paying" concept, why cashback points are a mathematical illusion, and the "Pay Now Buy Later" framework that kills the debt spiral.4. The Right Time to Buy Your First Home-Why buying too early is one of the costliest mistakes young Indians make, the EMI-to-income ratio that actually works, and the one factor almost nobody considers in a joint home loan.5. Insurance, SIP vs Lumpsum, and Asset Allocation-Answered Simply-The exact order to buy insurance, the real answer to the SIP-versus-lumpsum debate, and why "100 minus age" is a terrible rule.Don't forget to Like, Share, and Subscribe for more insightful conversations with top achievers and finance experts from across India and the world!#SureshSadagopan #HarshRoongta #LovaaiiNavlakhi #KonversationWithKushal #PersonalFinanceIndia #FinancialPlanningIndia #SIPvsLumpsum #HomeLoanIndia #FeeOnlyFinancialPlanner #YoungInvestors

In this eye-opening episode of Konversation with Kushal, Rama Bijapurkar, India's foremost authority on Consumer India, a McKinsey and Hindustan Unilever veteran, IIM Ahmedabad visiting faculty of 27 years, independent director on the boards of Infosys, Axis Bank, CRISIL and Godrej Consumer Products, and bestselling author of We Are Like That Only and Lilliput Land, delivers the most honest, data-backed breakdown of who the Indian consumer really is that nobody else is showing you. From decoding the real Indian middle class to mapping how 308 million households actually earn and spend, Rama brings four decades of "people view" wisdom that every founder, investor, marketer and young Indian must hear. Whether you are building a startup, trying to understand the Indian economy, or figuring out where the real money in India is, this is the masterclass that will change how you see the market forever.In this episode, you will learn:1. The Real Indian Middle Class Myth-Why "everybody is middle class" is a lie, the four true tests of a genuine middle class (stable income, predictability, 30% surplus, resilience), and why most of India's "middle class" collapses in a crisis.2. Agency vs Structure -The single most powerful framework to understand young India: a generation "fuelled by agency, failed by structure," and the real reason a government job is still the ultimate Indian dream.3. The L1 to L5 India-The full breakdown of India's 308 million households across five income segments, the "Lamborghini Trap," and which segment you should actually build your business for.4. Why MNCs Lose and Small Indians Win-The brutal economics of "100 people earning ₹10 vs 10 people earning ₹100," and why the local chaiwala understands the consumer better than any billion-dollar brand.5. The Sleeping Beauty Middle Class-How the 250–300 million middle class myth was sold to global MNCs in the 1990s, why they over-built capacity, and the costly lesson that India's middle class earns far less than the West's.6. Income vs Consumption- Rama's iconic line "consumption like maternity is a certainty, income like paternity is a matter of opinion," and why India loves to believe it is richer than it really is.Whether you are an aspiring entrepreneur, a curious investor, or a young Indian trying to understand the country you are building your future in, this conversation will give you a completely new lens to see India's people, money and markets.Don't forget to Like, Share, and Subscribe for more insightful conversations with top achievers and finance experts from across India and the world!#RamaBijapurkar #ConsumerIndia #IndianEconomy #KonversationWithKushal #KushalLodha #IndianMiddleClass #LilliputLand #ConsumerBehaviour #IndianMarket #BusinessStrategy #IndiaConsumptionStory #personalfinanceindia #marketresearch #GDPperCapita #startupindia

In this powerful SIP Masterclass episode of Konversation with Kushal, Vijai Mantri, a 35-year mutual fund veteran, CA rank holder, and former CEO of two global AMCs, returns for his second appearance to give you the most honest, data-backed breakdown of SIP investing that nobody is showing you with real numbers.From the founding team of HDFC Mutual Fund to touching 34 lakh+ investors across India, Vijai brings four decades of market wisdom and hard data spanning 1986 to 2026. Whether you are starting your first SIP, scared of a market crash, or chasing a 10 crore corpus, this is the go-to video that will change how you invest forever.In this episode, you will learn:1. Why You Should Never Stop Your SIP in a Crash-The shocking data proving that starting an SIP at the market TOP can actually beat starting at the BOTTOM, and why a 50% crash is the best thing for a long-term investor.2. Does the SIP Date Matter?-30 years of BSE Sensex data revealing whether the 1st,9th,or 28th of the month changes your returns (the answer will surprise you).3. Luckiest vs Unluckiest Investors4. Large Cap vs Mid Cap vs Small Cap- - The real probability data on which category gives you the highest chance of 15%+ returns, and where to actually put your SIP money.5. The Cost of Missing 7 SIP Installments - How skipping just 7 months during the 2008 crash pushes your break-even point back by 3 full years.6. The HDFC Flexi Cap Magic - How a ₹10 NAV became ₹1,800 in 30 years (180x), and why surviving three separate 50% drops was the only way to get there.7. STP vs SIP vs Lumpsum - The exact framework for when to invest one-time, when to do a 6-12 month STP, and what to do in this volatile 2026 market.8. How to Build a 10 Crore Corpus - The precise monthly SIP amounts across small cap, flexi cap, multi asset, and debt funds for 5, 10, 20, and 30-year goals. 9. Sensex vs Gold vs Silver vs PPF - A 40-year study (1986-2026) revealing the true long-term winner and why silver is the most volatile asset of all.10. Why It Is So Hard to Make Money in Stocks - The mind-blowing minute-by-minute data showing markets are positive only 50.17% of the time per minute, but 100% of the time over a decade.Whether you are a beginner starting your SIP journey, a young investor confused about asset allocation, or someone planning long-term wealth, this masterclass will give you the patience and conviction to let compounding do its magic.Don't forget to Like, Share, and Subscribe for more insightful conversations with top achievers and finance experts from across India and the world!#SIP #SIPMasterclass #VijaiMantri #KonversationWithKushal #KushalLodha #MutualFundsSahiHai #PowerOfCompounding #InvestingForBeginners #SmallCapFunds #IndianStockMarket #WealthCreation #personalfinanceindia

In this eye-opening episode of Konversation with Kushal, Kaivalya Vohra-Co-Founder of Zepto and India's youngest billionaire-sits down with Kushal Lodha to give you the most honest, unfiltered breakdown of building a quick commerce empire-the real delivery metrics, the dark store science, the job market reality, and everything in between that nobody tells you.From delivering groceries during the 2021 lockdown to building an instant delivery unicorn that disrupted the massive Indian retail market, Kaivalya brings brutally honest insights and data-backed advice for every startup enthusiast, aspiring founder, and professional in India.In this episode, you will learn:1. The Origin of 10-Minute Delivery-How a 45-minute delivery struggle during the lockdown led to the creation of Kirana Kart and eventually the 10-minute magic of Zepto.2. Dark Store Science-The exact algorithm and real-estate data points used to place dark stores in Mumbai to maximize delivery efficiency and minimize time.3. Delivery Partner Earnings-A full breakdown of how much Zepto delivery partners actually make, with potential earnings reaching up to 40,000 rupees per month.4. The Free Dragon Fruit Scam-A funny, real-world story of how neighborhood kids outsmarted the system by ordering 20-rupee Amul Kool to get premium freebies.5. AI and E-commerce Search-How generative AI and LLMs are revolutionizing customer intent, solving the problem of varied Indian search terms like pen pencil or kapde rakhne ki bag.6. Scaling and Market Size-Why the 3.5 lakh crore Mumbai grocery market proves that quick commerce in India is far from saturation.7. Adding New Brands to Zepto-The exact criteria the category team uses to onboard new D2C brands and why standing out is the only way to get listed.8. Managing Older Employees as a 23-Year-Old-The real dynamic of being India's youngest billionaire and leading a team of highly experienced professionals without ego clashes.9. The Reality of Startup Hustle-A candid look into the 12 to 14-hour work days and the 24/7 reality of running a service business that never sleeps.10. Whether you are a student dreaming of your first startup, a working professional wanting to understand quick commerce, or a brand trying to list on Zepto-this episode will change how you think about business forever.Don't forget to Like, Share, and Subscribe for more insightful conversations with top achievers from across India and the world!#Zepto #QuickCommerce #KaivalyaVohra #KonversationWithKushal #KushalLodha #StartupIndia #IndianStartups #ZeptoDarkStores #EntrepreneurshipIndia #D2CIndia #TechStartups #DeliveryApp #YoungBillionaire #BusinessPodcast #Groww

In this eye-opening episode of Konversation with Kushal, Ashwin Damera - Harvard MBA graduate, CA ranker, and Co-Founder & CEO of Eruditus & Auris - sits down with Kushal Lodha to give you the most honest, unfiltered breakdown of MBA vs studying abroad in 2026 - the ROI, the real costs, the job market reality, and everything in between that nobody tells you.From a Harvard MBA that led to a ₹1 crore loan and a McKenzie offer he rejected, to building India's largest EdTech unicorn worth $3.2 billion, Ashwin brings brutally honest insights and data-backed advice for every student, parent, and professional in India.In this episode, you will learn: 1. Is an MBA still worth it in 2026? - Nikhil Kamath said "If you're 25 and going to an MBA college, you must be some kind of an idiot." Harvard MBA founder answers back with data.2. Full ROI Breakdown - US undergrad costs ₹2.5 crore, UK costs ₹1.2- 1.5 crore, and now foreign universities in India for just ₹30- 60 lakhs - same degree, fraction of the cost.3. Country-wise Study Abroad ROI - US, UK, Canada, Australia, Singapore & Germany compared - visa rejection rates, job market, work permit rules, and payback period explained. 4. Career Capital Formula - Intellectual Capital + Brand Capital + Social Capital = Career Capital. The exact framework Ashwin used to build a unicorn. 5. 3 Skills Every Student Must Learn in 2026 - AI Literacy, Soft Skills & Networking, explained in a way no school in India teaches. 6. How Foreign Universities in India Work - Same curriculum, same degree from home campus, 50% foreign faculty, semester exchange options, and scholarships up to ₹5 lakh. 7. Starting Salary Expectations : ₹15- 30 lakhs in India, ₹60- 72 lakhs if you transfer abroad, full data breakdown by discipline.8. Biomedical Lab in Bangalore, AI Supercomputer in Mumbai - the most exciting facilities coming to India's new foreign university campuses. 9. EdTech Reality Check - Why most EdTechs failed post-2022, and why Eruditus survived at ₹4,500 crore revenue with ₹400 crore EBITDA.10. Whether you're a 12th standard student deciding between India and abroad, a working professional eyeing an MBA, or a parent calculating ROI on your child's future - this episode will change how you think about education forever.1-https://www.delhi.vu.edu.au/2- https://www.abdn.ac.uk/mumbai/3- https://www.iit.edu/mumbai4- https://www.mumbai.bristol.ac.uk/5- https://www.mumbai.york.ac.uk/6- https://www.bengaluru.liverpool.ac.uk/ Don't forget to Like, Share, and Subscribe for more insightful conversations with top achievers from across India and the world!#MBAIndia #ForeignUniversitiesInIndia #StudyAbroadROI #IIMvsAbroad #CATExam2026 #AshwinDamera #Eruditus #KonversationWithKushal #KushalLodha #HarvardMBA #UniversityOfBristolIndia #MBAorNot #HigherEducationIndia #EdTechIndia #UndergraduateAbroad

In this must-watch episode of Konversation with Kushal, real estate expert Vishal Bhargava and Chintan Vasani join Kushal Lodha to share the exact mental models strategies and ground realities of India's most dynamic property market and the bold thesis on why Indian real estate is at a defining inflection point right nowVishal and Chintan draw from years of on-ground reporting developer experience and market cycles to break down what actually drives real estate wealth creation in India and what most investors dangerously get wrongIn this episode you will learn - 1. Why Mumbai's redevelopment boom is unlike anything seen before and what 2000 plus buildings being rebuilt means for property prices and buyers2. The truth about Mumbai micro-markets from Peddar Road to Bandra to Borivali and which pockets still offer real value in 20263. Why affordable housing and luxury segments are moving in completely different directions and how to read those signals4. Proptech and Fintech in real estate how technology is completely reshaping how Indians buy sell and invest in property5. The redevelopment trap what housing society members must know before signing any builder deal and how promoters lure owners with 100 to 150 percent more space promises6. Why Pune Gurgaon and Ahmedabad are emerging as the smartest real estate investment destinations outside Mumbai right now7. Why retail Indian homebuyers are now more informed than ever and how that is shifting power away from developers8. What the next 10 years of Indian urbanisation means for property prices rental yields and long term wealth creation9. The 3 biggest mistakes first-time property investors make and how to avoid them10. How ground-level journalism by Vishal Bhargava has exposed the gap between builder promises and actual delivery in India's housing sector💡 Don't forget to like share and subscribe for more such insightful conversations with top achievers from across the world!#VishalBhargava #ChintanVasani #IndianRealEstate #KushalLodha #KonversationWithKushal #RealEstateIndia #MumbaiRealEstate #PropertyInvestmentIndia #Wisebiz #Proptech #RealEstateTips #HomeBuyingIndia

In this must-watch episode of Konversation with Kushal, Morgan Stanley India Managing Director Ridham Desai one of India's most respected market strategists with 35 years of experience joins Kushal Lodha to share the exact mental models, physics principles, and investing philosophy that have shaped his career, and the bold thesis on why India's valuation right now is the greatest opportunity of his lifetime.Ridham draws from decades of reading, market cycles, and deep cross-disciplinary thinking from Claude Shannon's Information Theory to Frank Knight's uncertainty principle to break down what actually drives wealth creation and what most investors dangerously get wrong.In this episode, you will learn:1. Why India's relative valuation is at an all time low and what Ridham's 35-year career says about what comes next2. The Kelly Criterion - the mathematical formula Rakesh Jhunjhunwala, Warren Buffett, and every great investor uses (knowingly or not)3. Why position sizing is more important than picking the right stock and how to think about it4. The Frank Knight principle - why maximum profit is always made at maximum uncertainty and how to spot those moments in 20265. Why PE ratio is a dangerous shorthand and what actually determines the value of a stock6. The physics of the stock market: entropy, ergodicity, and why your returns over time are never what they seem today7. Why reading alone won't make you a great investor and what Ridham reads 11 hours a day for8. The 4 structural reasons India will outperform China over the next 50 years9. Why retail Indian investors are smarter than global institutional money right now10. The 3 things India must fix farming productivity, judicial capacity, and embodied AI risk11. How Vipassana meditation changed Ridham's relationship with pain, uncertainty, and decision-making💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#RidhamDesai #MorganStanleyIndia #IndianStockMarket #KushalLodha #KonversationWithKushal #StockMarketHindi #WealthCreation #IndiaGrowthStory #ValueInvesting #RakeshJhunjhunwala #SIPInvesting #PersonalFinanceIndia #FinancialFreedom #NiftyNifty50 #marketoutlook2026

In this must-watch episode of Konversation with Kushal, SEBI Registered Investment Advisor, and personal finance educator Vinny Arora joins Kushal Lodha to reveal the exact step-by-step framework that took him from a ₹8,000 SIP to financial freedom at 37 — and the simple investing philosophy every young Indian must follow right now to build lasting wealth.Vinny draws from over 18 years of combined corporate experience at S&P Capital IQ and a decade of teaching finance at Delhi University to break down what actually works — and what most beginners get dangerously wrong.In this episode, you will learn:Why you should NOT start a SIP before doing this one thing firstThe exact large cap, mid cap, and small cap SIP allocation Vinny follows personallyThe Gold-to-Silver ratio strategy most retail investors have never heard ofWhy China is Vinny's biggest international bet right now — and the ₹60 trillion reason behind itThe 3 high-growth sectors — passenger vehicles, financial services, and hospitality — that can create serious wealth over the medium termWarren Buffett's Rule #1 and #2 — and why Vinny has built his entire financial life around itDon't forget to Like, Share, and Subscribe for more insightful conversations with top achievers from across India and the world!#VinnyArora #SIPInvesting #FinancialFreedomIndia #KushalLodha #KonversationWithKushal #MutualFundsForBeginners #StockMarketIndia #GoldSilverRatio #BSEStock #WealthCreation #PersonalFinanceHindi #FinancialIndependence #IndianStockMarket #InvestingTips #multibaggerstocks

In this eye-opening episode of Konversation with Kushal, three fresh IIM graduates ( Dr. Aradhita Maheshwari - A,Vedika Manek - B,Ishika Mathur - C) — from IIM Ahmedabad, IIM Bangalore, and IIM Calcutta (Batch of 2025) — sit down with Kushal Lodha to give you the most honest, unfiltered inside story of India's top MBA colleges — the CAT prep, the interviews, the placements, and everything in between that nobody tells you. From a doctor who became a wedding choreographer after IIM-A, to a startup founder who cracked IIM-B, to a BAMS graduate who chose MBA over CA — these three bring wildly different journeys and brutally honest insights.In this episode, you will learn:Why IIM Ahmedabad is the most rigorous — surprise quizzes and what the famous notice board is really aboutThe exact CAT percentile cutoffs for IIM A, B, C — and why a 97 percentile CA ranker still got into IIM-AHow to prepare for CAT in 5-6 months — section-wise strategies for VARC, DILR, and QuantThe real IIM interview experience — debate questions, GK traps, math on paper, and why one person cried walking outThe Day Zero placement system — what a Hot List is and exactly how to get on itIs consulting actually glamorous or just PowerPoint slavery? The honest answer from someone who lived itFull ROI breakdown — ₹25 lakh fees, ₹20K monthly expenses, ₹34 lakh average packageWhy student exchange (13 countries in ₹6.5 lakh) is the most underrated part of any IIMNikhil Kamath's controversial statement: "If you're 25 and going to an MBA college, you must be some kind of an idiot" — what these three actually thinkThe dumbest and funniest real reasons people do an MBADon't forget to Like, Share, and Subscribe for more insightful conversations with top achievers from across India and the world!#IIMAhmedabad #IIMBangalore #IIMCalcutta #CATExam2025 #CATPreparation #MBAIndia #IIMPlacement #IIMInterview #IIMAdmission #MBAvsCA #ConsultingLife #StudentExchange #KushalLodha #KonversationWithKushal #mbareality #KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this powerful episode of Konversation with Kushal, veteran fund manager and bestselling author Saurabh Mukherjea (Founder, Marcellus Investment Managers) joins Kushal Lodha to break down India's deepening Middle Class Crisis — the data, the causes, and what you must do right now to protect your financial future.Saurabh draws from his new book "Break Point", which reveals how India's middle class (earning ₹5 Lakh to ₹1 Crore annually) is being squeezed from every direction — stagnant real wages, collapsing white-collar job creation, rising personal debt, and an ₹1.1 lakh crore annual wealth drain through F&O trading.In this episode, you will learn:-Why India's real salaries have actually fallen 4% over the last 10 years-The truth about IT sector job creation collapsing -Why becoming a graduate today increases your chance of unemployment -How ₹1.1 lakh crore is lost by retail F&O traders every year — equal to India's entire education budget-The economic transformation India must go through — currency depreciation and capital cost reduction-Why investing only in India is no longer enough and how to build a low-cost global portfolioDon't forget to Like, Share, and Subscribe for more insightful conversations with top achievers from across India and the world!#SaurabhMukherjee #MiddleClassCrisis #BreakPoint #KushalLodha #KonversationWithKushal #IndianMiddleClass #ITJobLoss #FAndOTrading #GlobalInvesting #WealthCreation #IndiaEconomy #StockMarketIndia #FinancialFreedom #entrepreneurmindset

In this episode of Konversation with Kushal, Krishan Sharma, veteran investor and financial educator who has mentored over 10 lakh people , breaks down how he thinks about long-term wealth creation, asset allocation, and building resilience through real market cycles. He shares his journey of losing his entire savings during the 1992 Harshad Mehta crash and how those early mistakes shaped his transition from chasing high-flying tech stocks to disciplined, patient asset allocation. The conversation moves into his real investing journeys, including navigating the brutal 2020 COVID crash to help his wife achieve financial freedom 8 years early , and how defining wealth as having your desires met—rather than merely chasing returns—became the foundation of his approach. Using powerful frameworks like the "Money Illusion" and the concept of "SIP + SWP = Akshay Patra" , he shows how managing survival instincts and ignoring daily market noise can create extraordinary long-term wealth. From decoding why savings are actually "deferred spending" to why the certainty of outcomes is the ultimate key to compounding, this episode offers a practical masterclass on how serious investors build conviction and think about wealth creation over decades. 💡 Don't forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KrishanSharma #KushalLodha #AssetAllocation #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #FinancialFreedom #InvestmentStrategy #marketpsychology

In this episode of Konversation with Kushal, Jayant Mundra, IPO analyst, content creator, and author of an upcoming book on IPO investing, breaks down how India's IPO market actually works — from the inside. He shares why the 1000x returns that were once possible for retail investors are now mathematically impossible, and how the real wealth was already captured by angels, VCs, and sovereign wealth funds long before a company ever lists on the stock exchange.The conversation dives deep into how to read a DRHP like a professional — decoding related party transactions, royalty structures, grey market premium manipulation, and the real role of merchant bankers in pricing IPOs. Using explosive case studies like Ola Electric, boat, PhonePe, Zomato, Paytm, Suzlon, and Maruti Suzuki, he exposes the red flags that most retail investors completely miss — and how to spot them before it's too late.From understanding how an entire city controls India's grey market premium, to why founder resignations just weeks before an IPO are a massive warning sign, and how to build a concentrated, high-conviction portfolio in today's market — this episode is a practical masterclass for every serious investor who wants to stop losing money in IPOs and start asking the right questions. Don't forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#JayantMundra #KushalLodha #IPOInvesting #StockMarketIndia #DRHPAnalysis #IPORedFlags #GreyMarketPremium #MerchantBanker #OlaElectric #Paytm #WealthCreation #StockMarketHindi

In this episode of Konversation with Kushal, Gautam Baid, Fund Manager at Stellar Wealth Partners and international bestselling author of The Joys of Compounding, breaks down how he thinks about long-term wealth creation, value investing and building resilience through real experiences. He shares his journey of losing 70–80% of his capital during the 2008 market crash and how that brutal bear market shaped his transition from speculative F&O trading to disciplined, patient investing.The conversation moves into his real investing journeys, including identifying multibagger opportunities like Rajratan Global Wire and HEG, and how understanding business quality and compounding deeply — rather than chasing short-term market euphoria — became the foundation of his approach. Using case studies like the Aarti Pharma Labs demerger and his detailed corporate governance checklist, he shows how patience, inner scorecard thinking and special situation opportunities can create extraordinary long-term wealth. From decoding the three specific stages of bull and bear markets to why continuous learning and daily journaling are the ultimate keys to compounding, this episode offers a practical masterclass on how serious investors build conviction and think about wealth creation over decades.💡 Don't forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#GautamBaid #KushalLodha #ValueInvesting #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #MultibaggerStocks #CorporateGovernance #MarketCrash

In this episode of Konversation with Kushal, Ramneek Kundra, Chief Investment Officer at DSP Pension Fund, breaks down how he thinks about long-term investing, valuation and market cycles through real examples. He explains why businesses like Google create massive consumer surplus and how monetisation naturally follows in “free” digital models. The conversation then moves into his real investing journeys, including buying companies early based on valuation, free cash flow potential and the ability of large businesses to experiment, fail and still compound over time. His approach emphasises understanding business models deeply rather than reacting to short-term narratives.Ramneek also explains how he evaluates stocks through free cash flow and intrinsic value, drawing on frameworks popularised by Benjamin Graham and Warren Buffett. Using case studies like ITC Limited, he shows how market pessimism, regulatory barriers and long-term optionality can create powerful investment opportunities. From understanding opportunity cost and valuation multiples to building conviction and thinking probabilistically about growth, this episode offers a practical masterclass on how serious investors evaluate businesses and think about compounding wealth over decades.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, host Kushal Lodha sits down with Vikas Khemani, Founder of Carnelian Asset Management & Advisors, for a deep and insightful conversation on wealth creation, investing, and building conviction in the stock market. From losing nearly ₹4 lakh of his father’s hard-earned money during the Harshad Mehta era to managing over ₹15,000 crore in AUM, Vikas shares his journey of resilience, learning, and long-term thinking. He reflects on his early struggles, moving to Mumbai, learning English from scratch, and how setbacks shaped his mindset as an investor and entrepreneur.He also breaks down how real wealth is created through patience, compounding, and understanding businesses deeply rather than chasing short-term trading excitement. From his transition from trading to investing, lessons from CA and CFA, and the importance of reading balance sheets, to identifying multibagger opportunities like PTC Industries, this episode is packed with actionable investing wisdom. Vikas also shares why founder-led AMCs are the future, how credibility is built through communication and performance, and why focusing on the rate of change in businesses can create extraordinary wealth.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #longterminvesting #financepodcast #investmentstrategy #VikasKhemani #CarnelianAsset #stockmarketindia #investing #wealthcreation #mutualfunds #pms

In this episode of Konversation with Kushal, host Kushal Lodha sits down with Raunak Onkar, Head of Research and Fund Manager at Parag Parikh Mutual Fund, whose journey began as an intern and grew into leading research at a firm managing ₹1.5 lakh crore in AUM. Having worked closely with legendary investors like Late Parag Parikh and Rajeev Thakkar, Raunak shares how investing is not just about chasing returns, but about discipline, patience, and building a long-term philosophy around wealth creation.The conversation dives deep into practical investing frameworks for young professionals—how to start with SIPs and index funds, why controlling lifestyle inflation matters, the importance of emergency funds, and why global diversification is essential for Indian investors. Raunak explains investing like progressing through levels of a video game, making complex financial concepts simple, relatable, and actionable for anyone starting their wealth creation journey. 💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode, Rajiv Shastri, Founder and CEO of GoldStandard Wealth, shares a practical framework for wealth creation, especially for young investors starting with limited capital. Drawing from over three decades in the mutual fund industry, he explains why equities and commodities like gold should dominate a long term portfolio and how simple tools like ETFs and flexi cap funds can deliver consistent results. He also highlights common mistakes investors make, such as over diversifying, chasing tax saving products, or taking unnecessary risks in search of quick gains.The conversation moves from theory to execution with clear, actionable strategies on asset allocation, fund selection, and the importance of staying consistent with SIPs instead of trying to time the market. Rajiv also reflects on his journey from managing large funds to building GoldStandard Wealth, offering insight into how modern portfolio management is evolving. This episode is a clear guide for anyone looking to build sustainable long term wealth. 💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, Mr. Chintan Shah, Director at Ética Wealth Management, shares a complete masterclass on building long term wealth through disciplined investing and smart financial decisions. From starting with small SIPs to growing his net worth at 18 percent annually, he explains how shifting towards equity, increasing SIPs with income growth, and making math driven decisions helped him accelerate financial independence. He also breaks down asset allocation, the reality of market volatility, and why small caps are only for investors who can handle extreme drawdowns.The conversation dives into real world money mistakes families and young earners make, including chasing past returns, managing portfolios without expert help, and falling into the zero cost EMI lifestyle trap. Chintan also shares practical hacks on credit card rewards, saving on travel, planning investments during market crashes, and measuring success through overall net worth instead of single asset returns. This episode is a complete guide to smarter investing, better money habits, and building wealth that lasts.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy #creditcards #sip

In this episode, Akhil Chaturvedi, Executive Director & Chief Business Officer at Motilal Oswal, breaks down the real game behind wealth creation from the power of compounding to the biggest mistakes investors make early in their journey. He shares candid insights from his own investing journey, including lost years, missed compounding, and how discipline, patience, and consistency can turn even simple SIPs into massive long-term wealth. From navigating market corrections to understanding why “time in the market” beats timing the market, this conversation is packed with timeless investing wisdom.The episode also dives deep into asset allocation, global diversification, and the evolving role of AI in shaping future investment opportunities. Akhil explains why investors should think beyond India, how to approach international markets like the US and emerging economies, and why gold still deserves a place in your portfolio. Whether you're just starting out or already investing, this episode of Konversation with Kushal offers a clear, no-noise framework to build long-term wealth in an uncertain world.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, Karan Datta joins Kushal Lodha for a hard-hitting conversation on war, terrorism, and their real economic consequences. From the US–Iran–Israel conflict to the concept of state-sponsored terrorism, this episode breaks down how modern wars are no longer just political — they directly hit GDP, investments, inflation, and global markets.What does a single terrorist attack cost an economy? Why are wars now being fought through economic choke points like oil, gas, and trade routes? And how do these conflicts quietly impact your portfolio, fuel prices, and long-term wealth creation? This episode connects geopolitics to your money like never before making it clear why understanding war is no longer optional for investors.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#kushallodha #karandatta #geopolitics #war #globalconflict #stockmarketindia #investingindia #economy #oilprices #inflation #worldwar3 #marketcrash #financialmarkets #wealthcreation #indiainvesting

On this episode of Konversation with Kushal, host Kushal Lodha sits down with Sandeep Tandon, Founder and CIO of quant Mutual Fund, to uncover the story of a low profile firm that quietly scaled from managing ₹235 crore to over ₹1 lakh crore with a small team and a deep focus on technology and data driven investing. The conversation explores how discipline, systems, and a very different way of thinking about markets helped build one of the most talked about investing frameworks in India.As the discussion unfolds, Tandon challenges popular investing beliefs and dives into liquidity, investor psychology, and the forces that quietly shape market movements. With insights that question how most people approach wealth and risk, the episode builds toward a bigger mystery that lingers long after the conversation ends. If the markets are driven by factors most investors never notice, what could we all be missing right now?💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, host Kushal Lodha sits down with Ankit Avasthi, Founder of Ankit Inspires India & Bazaar Ki Baatein, to decode how geopolitics, global power structures, and economic decisions shape financial markets and investment outcomes. From breaking down America’s dominance through military, economic, and cultural power to analyzing the real intent behind Donald Trump’s policies, Ankit offers a sharp, no-nonsense lens on how global narratives influence asset classes like gold, equities, and currencies.The conversation dives deep into how wars, dollar strength, and geopolitical uncertainty impact Indian stock markets, FII flows, and investor sentiment. Ankit also explains why volatility often creates opportunity, how historical shifts like the 1991 reforms changed India’s market trajectory, and what today’s investor should focus on amid global chaos. If you want to understand markets beyond charts and numbers and see the bigger macro picture driving your investments, this episode is a must-watch.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode, we sit down with Suresh Jain, Founding Partner - Sunicon Ventures, to break down his journey from a Chartered Accountant in the 90s to building serious wealth through public markets and startups. He shares how his early days in broking and on-ground research like meeting managements, visiting factories, and studying business models helped him identify multi-bagger opportunities, including early software companies, long before they became obvious. We dive into his investing philosophy, why balance sheets alone are not enough, how staggered investing helps ride winners, and how market perception drives stock prices. He also explains key red flags like poor management quality and operator-driven stocks, along with his transition from public markets to going all-in on startups and technology over the last decade.We also explore real case studies including Hosteller, where he backed the idea of affordable, community-driven travel early on as it scaled from ~₹20 Cr to ₹400 Cr valuation, Neeman’s, where a simple product experience of comfortable, sustainable footwear stood out instantly, and Ajnalens, where his conviction came from the long-term potential of AR/VR technology even before it became mainstream. Suresh Jain emphasizes why he prioritizes the idea over the founder, how Gen Z behavior and technology trends shape future investing, and why today’s investors must look beyond listed markets. Beyond investing, he shares his disciplined daily routine, the impact of Vipassana meditation on decision-making, and the values that guide him including avoiding sectors like alcohol and leather. This episode is a masterclass in spotting asymmetric opportunities and thinking differently in the new-age economy.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode, we sit down with Ankit Agrawal, Educator at StudyIQ IAS, to deep dive into the Iran Israel war of 2026, one of the most complex and high-stakes geopolitical conflicts of our time. From the initial US and Israel strikes on Iran’s leadership and nuclear infrastructure to Iran’s retaliation through missiles, drones, and attacks on global oil routes, this conversation breaks down what is really happening beyond the headlines. We decode the real motives including oil control, China containment, and regional dominance, and explain why this is not just a Middle East conflict but a global economic shockwave impacting every country, including India.We also explore the bigger picture. Why there are no real winners in this war, how fragile ceasefires continue to keep tensions alive, and how this conflict could reshape global power dynamics in the coming years. Towards the end, Ankit connects these insights to UPSC preparation, sharing how to think about geopolitics, build strong analytical frameworks, and approach current affairs for Prelims, Mains, and interviews. If you want to understand international relations beyond textbooks, this episode is a must watch.#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode, Parth Verma, The Valuation School, breaks down what it actually takes to crack finance interviews, from equity research and investment banking to financial modelling roles. This is not textbook advice. Parth shares how he went from multiple CA attempts, rejections, and confusion about his career path to eventually cracking high-stakes finance interviews at firms like Yes Bank and HSBC. We decode the exact mindset, preparation strategy, and mistakes that most candidates make, especially in technical rounds, valuation concepts, and how to truly stand out in a competitive field.What makes this conversation powerful is the raw honesty. From being stuck in a job he did not enjoy, dealing with financial pressure and debt, to teaching himself valuation late at night after work, Parth’s journey shows that careers in finance are not built on degrees alone but on skill, persistence, and clarity. If you are preparing for finance interviews or trying to break into high-paying roles, this episode will give you both the roadmap and the reality check you need.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, we sit down with Mr. B. Gop Kumar, Managing Director & CEO of Axis Mutual Fund, who manages over ₹3.75 lakh crore in assets. From how professional fund managers pick stocks to the biggest mistakes retail investors make, this conversation breaks down investing into simple, actionable insights. He shares his framework of focusing on quality, growth, cash flows, and low debt businesses, along with why consistency matters more than chasing top returns.We also dive into real estate vs renting, the psychology of Gen Z investors, the dangers of speculation, and why most people fail to build long-term wealth. Gop Kumar explains sectoral opportunities in India, including manufacturing, BFSI, and consumption, while also highlighting risks in small caps and the importance of asset allocation. If you want to think like a fund manager and build wealth the right way, this episode is a must watch.💡Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, we sit down with Mr. Deven Choksey, Managing Director of DRChoksey FinServ Pvt. Ltd., a market veteran with over four decades of investing experience and a remarkable long-term CAGR of ~29–30%. Managing ₹18,000 crore+ in client assets, he breaks down how disciplined investing, strong philosophy, and deep understanding of cycles can create extraordinary wealth over time.From identifying India’s biggest long-term opportunities across digital infrastructure, logistics, and power, to explaining market cycles, valuations, and investor psychology, this episode is a masterclass in wealth creation. If you want to build a solid investing framework, understand where markets are headed, and position yourself for India’s next decade of growth, this conversation is a must-watch.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, we sit down with Kedar B, Founder of Congruence Advisers, to decode what it really takes to build long-term wealth in the stock market. From turning early bets like Kajaria, Cera, and Amara Raja into 5x returns to identifying a 75x winner in APL Apollo, Kedar breaks down the mindset, frameworks, and discipline behind consistent compounding. He shares how spotting high-growth businesses at reasonable valuations and holding them through cycles can completely transform your financial journey.We go deep into small-cap investing, portfolio construction, market cycles, and the importance of balancing fundamentals with technicals. Kedar also reveals his personal playbook: how to identify multibaggers, when to cut losses, and why most investors fail by constantly switching strategies. If you want to think like a serious investor, understand market psychology, and build a portfolio that compounds at 25–30% over time, this episode is packed with real, actionable insights.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, Rajesh Kothari joins Kushal Lodha for a masterclass on navigating markets during uncertainty, war, and volatility.When markets fall, fear rises, but is this actually the best time to invest? Rajesh Kothari breaks down why corrections driven by geopolitical tensions are different, how human behavior drives markets, and why volatility is not a risk but an opportunity. From understanding corrections versus crashes to decoding downside risk, valuations, and long-term wealth creation, this episode simplifies what most investors overcomplicate.He also shares his powerful 3M framework including Market Size, Market Share, and Margin of Safety, a simple yet highly effective way to pick winning stocks, along with real examples of businesses that have created massive wealth.If you want to think like a long-term investor, manage risk better, and build conviction during uncertain times, this episode is a must watch.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, host Kushal Lodha sits down with Jiten Parmar, Founder of Aurum Capital, to decode the real playbook of long-term wealth creation in the stock market. From making his first investment in the US markets in 1993 to generating over 29%+ CAGR across decades, Jiten shares powerful insights on identifying multibaggers, the importance of position sizing, and how cycles in business, markets, and the economy truly drive returns.This conversation goes deep into practical investing frameworks, understanding demand-supply cycles, avoiding valuation traps, timing entry and exit, and managing risk through portfolio allocation. Whether it’s spotting a 650x winner, navigating cyclical sectors like capital goods, or mastering the art of selling, this episode is packed with actionable wisdom for both beginners and seasoned investors looking to think differently and build lasting wealth.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, host Kushal Lodha brings out the raw, unfiltered journey of ace investor Piyush Mutha through a deeply engaging and insightful conversation. Known for asking sharp, context-rich questions, Kushal skillfully navigates through the highs of massive wealth creation from early bets like TVS Motors and Force Motors to multi-baggers like Neuland Laboratories and the painful lows of steep drawdowns, including the devastating loss in Vakrangee, where nearly 95% of capital was wiped out. This ensures the audience not only hears the story but truly understands the decisions, mistakes, and mindset behind it. His ability to simplify complex investing concepts and extract practical insights makes the conversation both relatable and valuable for viewers at any stage of their financial journey.Through the discussion, Kushal dives deep into Piyush’s comeback phase, highlighting his high-conviction bets in companies like Laurus Labs, Neuland Laboratories, IOL Chemicals, and Magma (Poonawalla Finance), uncovering how a focus on management quality and long-term vision helped rebuild his portfolio to over ₹100+ crore. The conversation goes beyond just stock names—it breaks down the thinking, discipline, and emotional resilience required to navigate markets, making it a powerful blend of storytelling and actionable investing wisdom.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

What does it really take to succeed in trading and why do 93% of traders lose money? In this episode of Konversation with Kushal, Vivek Bajaj, Founder of Elearnmarkets and StockEdge, shares hard-earned lessons from decades in the markets. From early losses to understanding why discipline, capital, and patience matter more than strategy, this conversation uncovers the uncomfortable truths most traders ignore.We also dive into why options trading can destroy wealth, why you realistically need ₹5 lakh+ to start seriously, and why becoming consistently profitable can take years, not months. If you’re navigating the markets or thinking about trading, this episode will help you avoid the mistakes that wipe out most investors and understand what it actually takes to win.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

Is a 15–25% crash coming in small caps? In this episode of Konversation with Kushal, Nitin Bhasin, Head of Institutional Equities at Ambit Capital, breaks down why small caps may still be expensive, why earnings are not keeping pace, and why many investors could be underestimating the risks ahead. Drawing from over two decades of market experience, he explains how valuations, cash flows, and market cycles are signaling caution.We also explore why markets may stay sideways, the reality behind sectors like quick commerce (Zomato, Swiggy), and how excessive competition can delay profitability. If you want to understand what seasoned investors are seeing right now and how to avoid common mistakes in this phase of the market, this is a must-watch.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #SamirArora #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, Kushal Lodha speaks with legendary investor Utpal Sheth, Chairman of TRUST Group and former CEO of RARE Enterprises, where he worked closely with the late Rakesh Jhunjhunwala for over 25 years. Utpal shares his journey from a modest childhood with financial constraints to becoming one of India’s most respected investors. He recalls early lessons from his father, the struggles of building a firm from scratch, the difficult decision to sell personal assets to repay investors, and the principles that shaped his approach to markets and life.The conversation dives deep into his investing philosophy. How great investors identify multibaggers, the importance of numbers, narratives and expectations, and the mindset required to hold winning investments for decades. Utpal also shares fascinating stories from his years working with Rakesh Jhunjhunwala, lessons from investments like Titan Company, and frameworks such as Type 1, Type 2 and Type 1.5 investing errors. Packed with insights on investing, leadership, culture and long-term thinking, this episode offers a rare look into how some of India’s greatest investors think and make decisions.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #SamirArora #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy

In this episode of Konversation with Kushal, we sit down with Dr. Indu Shahani, one of India’s most influential education leaders and the founding president of ATLAS SkillTech University. With over four decades of experience in academia and institution building, Dr. Shahani shares incredible stories from her journey in education, including teaching some of India’s most well-known personalities such as Uday Kotak, Rakesh Jhunjhunwala, Ronnie Screwvala, and Karan Johar. Through candid anecdotes and powerful lessons, she reveals what truly makes students successful beyond textbooks.The conversation dives deep into the future of education, entrepreneurship, leadership, and the skills students need to thrive in a rapidly changing world. Dr. Shahani also talks about building modern universities, fostering innovation among students, and why education must evolve to focus on creativity, collaboration, and real-world impact. If you’re a student, educator, or someone interested in how great institutions are built, this episode offers valuable insights from one of India’s most respected voices in education.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#hrcollege #education #karanjohar #rakeshjhunjhunwala #commerce

If you’ve just cleared CA Inter and are confused about where to do your Articleship, this episode is for you. In this candid conversation on Konversation with Kushal, we break down the real differences between Big4 firms, mid-size firms, and small CA firms. From exposure and learning to work culture, stipends, and long-term career impact, our panel of CA articles shares their honest, unfiltered experiences to help you decide which path might be right for you.We also discuss the controversial realities of CA Articleship - is Big4 really worth the hype? Do firms sometimes exploit articles with long working hours and low stipends? And what should students prioritise: brand name, learning, or work-life balance? If you're about to start your Articleship journey, this discussion will give you the insights every CA student wishes they had earlier.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#ca #articleship #big4 #deloitte #kpmg #ernst

In this episode of Konversation with Kushal, we speak with Madurai Veeran, whose journey from earning ₹10 a day as a roadside mechanic to building a ₹14 crore investment portfolio is nothing short of extraordinary. After losing his father young and failing his 10th standard, he started working in a workshop before slowly rebuilding his life through education, working in the Middle East, and learning the power of investing. Through discipline and smart financial decisions, he eventually created multiple income streams that now generate around ₹1.8 lakh per month in passive income. In this conversation, he shares powerful lessons on personal finance, investing psychology, asset allocation, and financial independence. From why Indians overinvest in gold and real estate to how young people should start investing from their first salary, this episode is a practical masterclass in wealth creation. If you want to understand how to move from working for money to owning assets that work for you, this episode offers a roadmap for building long-term financial freedom.💡 Don’t forget to like, share, and subscribe for more such insightful conversations with top achievers from across the world!#KushalLodha #SamirArora #InvestingWisdom #StockMarketIndia #WealthCreation #LongTermInvesting #FinancePodcast #InvestmentStrategy