Raunak explains how PPFAS evaluates business quality, management, cash flows and valuations before investing. He discusses why the fund holds cash when suitable opportunities are limited, where it sees greater valuation comfort in large caps, and how global diversification fits into its investment approach.

The conversation explores private sector banks, IT services and other investment themes, alongside the differences between cyclical and structural growth. Raunak also explains why a compelling growth story needs to be supported by business performance and a sensible purchase price.

For individual investors, the discussion covers realistic equity return expectations, SIPs versus lump sum investing, matching investments to financial goals, and the importance of savings and investor behaviour.

Listen for a grounded, optimistic perspective on India’s investment opportunities and the discipline behind patient investing.

Follow Paisa Vaisa with Anupam Gupta for more conversations on personal finance, investing and money management.

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

Listen Exclusively on Amazon Music

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Twitter: @b50

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

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

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

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

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

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

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

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

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

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more

Watch full episodes right here on YouTube

Explore more at ivmpodcasts.com

Connect with Anupam Gupta:

Twitter: @b50

Instagram: @b_50

LinkedIn: Anupam Gupta

Follow IVM Podcasts

We’re @ivmpodcasts on Facebook, Twitter & Instagram