Konversation with Kushal

Anshul Saigal, founder of Saigal Capital and Former CIO & Head of PMS at Kotak AMC, joins Kushal to share how he has compounded money for 25 years. He breaks down how he spots multibagger stocks early, using real examples from his own journey.What You'll Learn:1- The 4-Point Check: What every stock analysis needs in two minutes.2- Buy Low: How he buys a rupee for fifty paise.3- Spot It Early: Finding stocks before the market wakes up.4- His Costly Lesson: Why selling too soon still hurts.5- Six Categories Of Stocks: The Peter Lynch framework, made simple.#KonversationWithKushal #AnshulSaigal #SaigalCapital #StockMarketIndia #MultibaggerStocks #ValueInvesting #InvestingForBeginners #ShareMarket #StockMarketForBeginners #KushalLodha #peterlynch

Rohan Mehta, Founder of Turtle Wealth and Exit Mantra, runs a 1000+ crore momentum PMS. He shares his 3-rule stock filter, why he decides his exit before buying, and why conviction destroys wealth.What You'll Learn:1-The 3-Rule Filter: All time high price, all time high profit, outperforming Nifty 500.2-Exit First: Deciding your exit price before you buy.3-Momentum vs Value: 17 years of data on what actually wins in India.4-The Silver Trade: How data alone built a 154% alpha bet.5-Conviction Kills Returns: Why falling in love with a stock is the biggest mistake.#konversationwithkushal #rohanmehta #exitmantra #momentuminvesting #pmsindia #stockmarketindia #quantinvesting #kushallodha #valueinvesting #alphagenerating

Dr. Sajjid Chinoy Chief India Economist at J.P. Morgan, joins Kushal to break down the three biggest challenges facing the Indian economy over the next decade. He explains why AI puts skilled workers at greater risk, why a falling rupee is not the crisis everyone thinks it is, and why foreign money has stopped flowing into India.What You'll Learn:1- AI vs Your Job: Why plumbers are safer than white-collar professionals.2- Growth of 9% , Zero Jobs: How Taiwan's tech boom created no employment.3- The Rupee Is A Shock Absorber: Why gradual depreciation protects growth.4- Why Foreign Money Left: Push FDI vs pull FDI, and India's missing capex.5- The Tyranny Of The 3 T's: Tariffs, trade diversion and technology.#KonversationWithKushal #SajjidChinoy #JPMorgan #IndianEconomy #RupeeVsDollar #AIJobs #FIISelling #FDIIndia #StockMarketIndia #KushalLodha

In this episode of Konversation with Kushal, Mrin Agarwal, Founder Director of Finsafe India and a 30 year investment advisory veteran, explains why your SIP returns depend more on when you exit than when you start. She breaks down why the average investor earns 13.8% when the fund delivered 19.1%, why most Indian portfolios compound at just 6.4%, and why 12% corporate bonds are riskier than equity.Here's what you'll learn:1-When You Stop Matters More Than When You Start: A 12 year SIP running at 10.5% CAGR collapsed to 2.9% in just two months, and why your exit date is the single biggest factor in your returns.2-The 6.4% Portfolio Trap: Why Indian households hold only 10% in equity, and how the other 90% quietly pulls your real portfolio return below inflation.3-The Asset Allocation Reality Check: Her minimum allocation rules, why 11-12% corporate bonds carry more risk than equity, and the honest return expectations to set for equity, gold and debt.Subscribe and hit the bell to never miss an episode!#mrinagarwal #finsafe #sipinvesting #assetallocation #mutualfunds #corporatebonds #financialindependence #womenandmoney #konversationwithkushal

In this episode of Konversation with Kushal, Neeraj Goyal and Shubham Goyal-promoters of LAPL Automotive Limited-share how an employee took over a dying factory with its liabilities and built it into a successful auto components company now heading for its SME IPO.Here's what you'll learn in this episode:1-Employee To Owner: Why he turned down Minda and Bajaj offers to take over his collapsing company instead.2-Lights & Motors Unit Economics: 600+ SKUs, ₹80 to ₹3,000 products, ₹1.5 crore to design one lamp-and the full cost breakup of a ₹500 product.3-The EV Opportunity: From 2 Indian vehicle brands to 350 manufacturers, and why manufacturing is the most underrated career today.#konversationwithkushal #kushallodha #laplautomotive #smeipo #manufacturing #autocomponents #familybusiness #evindia #indianstockmarket #entrepreneurship

In this episode of Konversation with Kushal, Anupam Tiwari, Fund Manager at Groww Mutual Fund and a top-5 rated small cap fund manager with 27 years in the markets, delivers a complete masterclass on small cap investing.Here's what you'll learn:1-The 5-Factor Model for picking stocks and why management quality sits on top2-Numbers vs Story: Why chasing themes makes you lose money3-Why 95% of Small Caps Fail and how big the drawdowns really get4-Conviction Over Knowledge: Why 3-5 stocks make or break you5-Small vs Mid vs Large Cap: Where to invest based on your time horizon#anupamtiwari #growwmutualfund #smallcapinvesting #smallcapstocks #mutualfundsindia #multibaggerstocks #stockmarketindia #valueinvesting #konversationwithkushal #kushallodha

In this episode of Konversation with Kushal, Ajay Tyagi-Head of Equity at UTI AMC, managing close to ₹1.5 lakh crore-explains why he stays bullish on IT even in the AI age, and why he avoids metals, oil and defence. He breaks down why AI is net positive for IT services, why today's AI bubble mirrors the Dotcom crash of 2000, why Quality beats Value long-term, and why India's premium on valuations over emerging markets valuations is finally cooling.Here's what you'll learn:1-Why AI Won't Kill IT: The "Tigers and Hyenas" framework, and why IT headcount grows over the next 10 years.2-The Nifty IT Signal: Valuations at a level seen only 3 times in 20 years-and what history says next.3-AI Bubble vs Cisco: Why Nvidia has already surpassed Cisco's 2000 peak.4-Quality vs Value: The Company A vs B example-and why cash beats profit.5-India vs EM: Why the valuation premium hit 90% in 2024 and why FIIs may return at 50%.#ajaytyagi #utiamc #itstocks #aibubble #niftyIT #qualityinvesting #privatebanks #mutualfunds #konversationwithkushal

Shefali Goradia, Chairperson of Deloitte South Asia and the first woman to chair a Big Four firm in India, cleared CA in 1990 with an All India Rank 1. Her first salary was ₹4,000 per month. In this episode, she breaks down Big Four pay, Journey towards being Partner, and International Taxation in the simplest language you'll hear.What You'll Learn:1-Big Four Pay: Her ₹150 stipend, ₹4,000 first salary, and why CA fresher pay is the same across every domain.2-The Partnership Journey: Why 10 to 12 years is the minimum, and how some make partner at 36.3-Mid-Size Firm vs Big Four: How to actually choose, and why learning beats brand.4-International Taxation Simplified: DTAA, transfer pricing, BEPS, digital tax and the 6% equalisation levy.5-Landmark Tax Cases: Azadi Bachao Andolan, the Mauritius treaty, Tiger Global, General Anti- Avoidance Rule (GAAR) and Grandfathering.#KonversationWithKushal #ShefaliGoradia #Deloitte #BigFour #CharteredAccountant #CACareer #InternationalTax #TransferPricing #CASalary #TaxationIndia

Kuntal Shah, partner at Oaklane Capital and faculty member at FLAME University, has been investing since the Harshad Mehta era. In this episode, he shares timeless lessons from more than 35 years in the markets, explains why valuation is often misunderstood, breaks down India's manufacturing opportunity, and reveals how he identifies long-term winners before the crowd.What You'll Learn:1-Lessons From 1992: Kuntal Shah shares his firsthand experience of the Harshad Mehta boom, the mistakes that shaped his investing journey, and why losing money was his greatest teacher.2-Valuation Beyond DCF: Why reverse DCF, market expectations, and understanding narratives matter more than complex Excel models.3-India's Next Big Opportunity: Why manufacturing, renewable energy, and battery energy storage systems (BESS) could define India's next decade of wealth creation.#KonversationWithKushal #KuntalShah #Investing #ValueInvesting #StockMarket #IndianEconomy #Manufacturing #SolarEnergy #WealthCreation #LongTermInvesting

Kuntal Shah, partner at Oaklane Capital and faculty member at FLAME University, has been investing since the Harshad Mehta era. In this episode, he shares timeless lessons from more than 35 years in the markets, explains why valuation is often misunderstood, breaks down India's manufacturing opportunity, and reveals how he identifies long-term winners before the crowd.What You'll Learn:1-Lessons From 1992: Kuntal Shah shares his firsthand experience of the Harshad Mehta boom, the mistakes that shaped his investing journey, and why losing money was his greatest teacher.2-Valuation Beyond DCF: Why reverse DCF, market expectations, and understanding narratives matter more than complex Excel models.3-India's Next Big Opportunity: Why manufacturing, renewable energy, and battery energy storage systems (BESS) could define India's next decade of wealth creation.#KonversationWithKushal #KuntalShah #Investing #ValueInvesting #StockMarket #IndianEconomy #Manufacturing #SolarEnergy #WealthCreation #LongTermInvesting

G. Maran-Co-Founder and Executive Director of Unifi Capital-has been in markets since 1991. In this episode, he shares surprising data points about India that challenge every perception, reveals why promoters (not FIIs) are the biggest sellers in the market, breaks down the 60-25-15 valuation split in BSE 500, and explains why time arbitrage is the only real edge a retail investor has.What You'll Learn:1.India's Perception vs Reality: Punjab has more vegetarians than Gujarat, Tamil Nadu leads tourism, and Indians spent more on alcohol than jewellery last year.2. Promoters Are The Real Sellers: FIIs barely sold 3-4% of holdings. 70% of recent IPOs are offer-for-sale by promoters- A record never seen before.3. Insider Shadow Strategy: Buying where promoters buy and holding 3 years gave 10-35% returns 70% of the time.#KonversationWithKushal #GMaran #UnifiCapital #IndianStockMarket #ValueInvesting #StockMarket #IndianEconomy #InsiderShadow #ContrarianInvesting #WealthCreation

Kishore Narne, Executive Director at Motilal Oswal Financial Services with 25+ years in commodities, delivers a complete masterclass on how commodity markets actually work. From why your masala dabba is being traded on exchanges, to how jeera exporters in Unjha hedge their risk, to why the "Broken World" of deglobalisation is pushing all commodity prices higher, Kishore covers it all. He also explains why gold is a currency not a commodity, why silver is in a structural bull market after 8 years of inventory deficits, and drops his 2027 price predictions for gold, silver, copper, aluminium and crude oil.What You'll Learn:1. The 5 categories of commodities and which ones you can trade in India on MCX and NCDEX.2. How hedging works in real life for jeera traders, aluminium contractors and jewellery stores.3. Why the "Broken World" is creating a multi-year commodity supercycle.4. Gold is a currency: why 1 gram still buys the same rice it did 500 years ago.5. 2027 predictions: Copper , Silver , Gold #kishorenarne #motilaloswal #commoditymarket #goldprice2027 #silverprice #crudeoil #copperinvesting #commoditytrading #mcx #konversationwithkushal

Dinshaw Irani, CEO of Helios Capital India, manages ₹14,000 crore across AMC, AIF and PMS and has delivered 4X returns in his PMS in just 5 years. In this episode, Dinshaw reveals how he shorted Satyam before the scam broke, breaks down his 8-factor "Elimination Investing" framework, explains why he's still bearish on IT despite cheap valuations, and shares why 85% of his portfolio is in BFSI, hospitality, healthcare and consumer discretionary. He also covers why he exited Ola Electric but held Ather Energy, why FIIs are furious with India's tax policy, and why his personal portfolio is 100% equity with zero real estate.What You'll Learn:1. How Dinshaw spotted the Satyam fraud early through low cash yields and suspicious inter-corporate transfers, shorted the stock, and made money when the entire street was losing.2. His 8-factor Elimination Investing framework where six qualitative filters must clear before his analyst even opens a financial model.3. Why Indian IT is a value trap as AI compresses the employee pyramid and companies like OpenAI and Anthropic acquire their own IT services firms.4. Why he exited Ola Electric after consistent market share drops but held Ather Energy from ₹300 for phenomenal returns.HASHTAGS-#helioscapital #sameerarora #eliminationinvesting #satyamscam #itstocks #valuetrap #bfsistocks #atherenergy #konversationwithkushal

In this episode of Konversation with Kushal, Gaurav Sud-IIT Delhi & IIM Calcutta alumnus and Managing Partner at Kanav Capital-breaks down how he made 400X on Unitech by mastering special situations. He relives the 2008 crash that gave him a 75% drawdown, decodes his live Vedanta and UPL plays, why TD Power became a 40X data-centre winner, and why he stopped taking cash calls. A raw masterclass on risk arbitrage, drawdowns and value investing.Here's what you'll learn in this episode:1.Special Situations Decoded:How demergers, rights issues and open offers create high-probability trades that can make 25-30% a year.2.The 400X Unitech Story: His early multibaggers-Padmini (40x), Unitech (400X) and Ashiana Housing (100x).3.The 2008 Crash & "Uncle Point": How over-leverage caused a 75% wipeout, and why every investor has a drawdown threshold they don't know until it's tested.4.Vedanta, UPL & TD Power:The aluminium super-cycle bet, a partly-paid + futures hedge that made ~20% near risk-free, and a 40X data-centre re-rating.5.Prepare, Don't Predict: Why he gave up cash calls, how he hedges with Nifty puts, and why he still won't buy NVIDIA.#KonversationWithKushal #MultibaggerStocks #IndianStockMarket

Nimesh Chandan-CIO of Bajaj Finserv Asset Management, Manages ₹32,000 crore built from scratch in 3 years. In this episode, he decodes "Buy the Rumour, Sell the News" using the 2014 election, reveals which sectors Bajaj Finserv AMC is bullish on today, and shares his gold, silver & SIP allocation framework for young investors.What You'll Learn:1.Buy The Rumour, Sell The News: Why the 2014 Modi victory moved markets only 1%, why great earnings crash stocks, and how Post Earnings Announcement Drift works.2.Bullish Sectors Right Now: Metals, cement, defence, power, auto ancillaries, private banks, US generics, CDMO, consumer discretionary-and the 3 cycles driving this view.3.Quality vs Growth vs Value: Why quality stocks underperformed recently and why that's actually the opportunity.4.Gold & Silver Thesis:Central bank buying, silver's rising AI demand, and how the Multi Asset Fund captured gold's rally.5. ₹10,000/Month SIP Framework: Why beginners should split equally across flexi cap, multicap, multi asset, and large & mid cap.#nimeshchandan #bajajfinservamc #thestoicinvestor #buytherumorsellthenews #behavioralfinance #stockmarketindia #goldinvesting #silverinvesting #konversationwithkushal #kushallodha

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.#KonversationWithKushal #ApurvaSharma #RAASCapital #MultibaggerStocks #MicroCapInvesting #BrazilStockMarket #UraniumInvesting #SilverMiners #IndianStockMarket #GlobalAssetAllocation

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