This episode of Paisa Vaisa with Anupam Gupta dives deep into fixed income investing, bonds, and high yield opportunities in India.

Nikhil Agarwal, Founder & CEO of Grip Invest, explains:

• Why most Indians are stuck between 6% FD returns and volatile equity markets

• How bonds offer 10–12% fixed income opportunities

• The real difference between fixed vs guaranteed returns

• Risks of defaults, frauds, and what investors MUST understand

• How SEBI regulations are changing the bond market

• Why bonds could become mainstream in the next 3–5 years

If you’ve only invested in FDs, mutual funds, or stocks this episode will change how you think about asset allocation.

🎯 Topics covered:
Fixed income investing, bonds in India, debt mutual funds vs bonds, high yield investments, portfolio diversification, bond risks, SEBI regulations, retail investing India

TAKEAWAYS
Missing Middle
India’s biggest investment gap lies between low-return FDs and high-risk equities.

Retail Access
Bonds went from ₹10 lakh minimums to ₹10,000 opening the market to everyone.

Risk Reality
Fixed income means predictable returns, not guaranteed safety.

Return Gap
Slightly higher risk in bonds can unlock significantly better returns vs debt funds.

Regulation Edge
Fintech success in finance is built on regulation, not just growth.

Portfolio Role
Bonds aren’t alternatives they’re becoming core to asset allocation.

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

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See omnystudio.com/listener for privacy information.

What do Amitabh Bachchan, Shah Rukh Khan, and India's biggest real estate developers have in common? They've all worked with Astro-Architect Neeta Sinha the founder of a science called Astro-Architecture, and the only practitioner of it in the world.

In this episode of Paisa Paisa, host Anupam Gupta sits down with Neeta Sinha for a conversation we have never had in 9 years of this podcast. We talk about how the energy and balance of your home or office directly impacts your income, decision-making, and financial clarity. We also cover what 2026 looks like for the war, the stock market, and your money.

What you'll learn in this episode:

• What Astro-Architecture is and how it's different from Vastu & Feng Shui
• How Amitabh Bachchan's house was saved from financial ruin with just a name change
• Why Shah Rukh Khan was skeptical before calling Neeta and what changed
• How mirrors, plants, and colors can affect your income sector
• What Neeta predicts for the Bombay Stock Exchange and the ongoing war in 2026
• Simple tips anyone can use to improve financial clarity from home

Whether you believe in it or not, this is one of the most fascinating conversations we've ever had on Paisa Paisa. Watch till the end for Neeta's personal tips for our audience.

🎙️ Paisa Paisa is a finance podcast hosted by Anupam Gupta. New episodes every week.

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

See omnystudio.com/listener for privacy information.

What if the smartest investment in the room isn't equity and it isn't your FD either?

In this episode of Paisa Vaisa, host Anupam Gupta sits down with Shantanu Sahai, Executive Director and Head of Private Credit at ASK Alternates, to break down one of the most misunderstood and fastest-growing asset classes in India Private Credit.

Shantanu brings 25 years of global credit experience across Deutsche Bank, Barclays and Nomura, having structured over 300 transactions across sectors as diverse as mushrooms and flight simulators. Today he explains why private credit is not just for distressed companies, why it can generate returns from low teens all the way to 30%, and why chasing yield without understanding risk is the single biggest mistake most investors make.

This conversation covers the full picture from how a customised loan works versus a bank loan, to what an AIF actually is, how interest payments flow to investors, and what happens when deals go wrong. Shantanu also shares his unfiltered view on India's K-shaped recovery, which sectors are on fire right now, and why Indian corporate balance sheets are the cleanest they have been in two decades.

Whether you are an HNI exploring alternatives to equity, a family office evaluating private credit funds, or simply someone trying to understand where smart money is moving this episode will change how you think about debt as an asset class.


Key Takeaways -
Every Deal Is Different - Private credit is structured from scratch for each borrower, making it one of the most bespoke asset classes in finance.

Higher Returns, Not Higher Risk - The return premium in private credit comes from customisation, not from lending to risky or distressed businesses.

Risk Appetite Comes First - Deciding your comfort with risk before chasing a return target is the only right way to approach any alternative investment.

25 Years, Same 3 Patterns - Across 300 deals, desperation from lenders, over-optimism from borrowers and greed from investors remain the three most common reasons things go wrong.

Your Capital Will Be Locked - Private credit requires a 3 to 4 year commitment, making it suitable only for investors who do not need immediate liquidity.

India's Credit Cycle Is Strong - Corporate balance sheets are at their healthiest in two decades and bank NPAs are near historic lows, making this a strong entry point for credit investors.



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

See omnystudio.com/listener for privacy information.