We live in an age where SIPs, insurance plans, and retirement calculators are just a tap away. But despite the access and awareness, most of us hit pause before the plan plays out.

In this episode, we unpack the deeper forces that derail long-term financial consistency. It’s not just about knowledge—it’s about belief, emotion, and behaviour. We discuss:

• Why short-term temptations overpower long-term intentions?
• How emotional disconnect makes us abandon well-meaning plans?
• The hidden influence of childhood money patterns and identity triggers.
• What makes someone stick with a plan—and why another quits halfway?
• Behavioural hacks to build consistency, from micro-actions to meaningful goals.

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Why are so many people in India risking their money on betting apps? Once seen as shady or underground, betting platforms have now gone mainstream—gamified, glamorised, and accessed by millions. But behind the thrill of the game lies something deeper.

In this episode, we explore the behavioural psychology behind betting, how it hijacks our decision-making, and why breaking the cycle is so hard. We discuss:

• Why betting apps feel more exciting—and more accessible—than long-term investing?
• How algorithms are designed to reward you just enough to keep you hooked?
• The psychological traps of sunk cost, illusion of control, and herding
• How childhood, income level, and financial stress shape our money risks
• What it really takes to walk away—from self-exclusion to professional help?

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

What if aviation wasn’t just for airlines anymore? From private charters and drone academies to electric aircraft startups and infrastructure plays, India’s aviation sector is quietly opening up to a new kind of investor.

In this episode, we explore how aviation is becoming a serious investment opportunity—beyond just aircraft ownership—and what you need to know before stepping in. We uncover:

• Why charter plane leasing and fractional ownership are gaining investor interest
• How deep-tech startups are building electric aircraft for urban mobility
• The growing role of drones in agriculture, logistics and defence
• How pilot training and aviation EdTech could become the next big opportunity
• Why EVTOLs (electric vertical takeoff and landing aircraft) are creating an entirely new ecosystem for long-term plays
• 
  

Watch full conversation with Capt. Shivan M Bhagvati : https://youtu.be/CXy-Wj8XKb4?si=qfKpoC-3xftH_y6_

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

What do the ultra-wealthy know about money that most of us don’t? As India witnesses a historic rise in multi-generational wealth, the real secret isn’t just better investing—it’s a completely different way of thinking.

In this episode, we dive into the psychology, systems, and temperament that shape how HNIs preserve and grow wealth across decades. We explore:

• Why creating wealth is not the same as preserving it?
• How the ultra-rich plan 30–50 years ahead—often for family members not yet born?
• The emotional side of money—fear, secrecy, social pressure
• How family constitutions keep values and power aligned across generations?
• Why liquidity, not luxury, is often their biggest strategic edge?

Watch full conversation with Munish Randev : https://youtu.be/4a47oKIOoZ4?si=CFhyImuUHIcO6Jts

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

What if your retirement lasted longer than your career? With rising life expectancy and changing family dynamics, the traditional idea of retirement—saving till 60 and resting after—no longer holds up.

In this episode we speak to experts across finance, health, and longevity to understand how aging is evolving in India. We explore:

• Why most retirees run out of money within 15 years?
• The financial and emotional risks of living longer
• How to plan for 30-40 years of retirement, not just 10 or 15
• Why extending your working years might be the smartest move?
• The growing need to invest in health, not just wealth

Watch full conversation with Jitendra Chouksey: https://youtu.be/e0sRTsRWxDM?si=fmG9hcQRSK_MZuci

Watch full conversation with Upasana Koul: https://youtu.be/v684N5MLajA?si=J-MmppnUqhPrvMwV

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Managing money isn’t easy—budgeting, saving, investing—it all takes time and effort. But with AI entering the scene, personal finance is undergoing a major shift. From automating expense tracking to offering personalised investment advice, AI is starting to reshape how we manage our money.

In this episode we explore how AI is revolutionising personal finance in India?

We dive into:

• How AI is bridging India’s financial literacy and advisory gap
• The rise of AI-powered tools for budgeting and investment decisions
• Why AI can support but not replace human financial advisors
• The role of personality-based finance and real-time personalisation
• Risks around data privacy and unregulated AI tools

Watch full conversation with Sonam Srivastava: https://youtu.be/rrwQ-HdKVkk?si=dKE0nImLrbkvbYwl

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Love and money—two forces that shape our lives. When they align, they build security and shared dreams. But when they clash, they lead to stress, conflict, and even breakups. Studies show 35% of couples cite money as their biggest source of stress, and 22% of divorces happen due to financial disputes.

Yet, for something so crucial, money is often the hardest thing to talk about. Couples plan vacations, discuss the future, and set life goals—so why does discussing finances feel so awkward?

In this episode we dive into:

• Why money conversations are so uncomfortable in relationships
• The concept of “money dates” and how couples can structure financial talks
• Common money mistakes couples make—and how to avoid them
• How different financial personalities impact a relationship
• Managing finances as a couple: Should everything be joint or kept separate?

Watch full conversation with Lisa Pallavi Bohra: https://youtu.be/NfQpYlNGv3A?si=2z7aARkyE6qqVNOh

Watch full conversation with Nisha Sanghavi: https://youtu.be/Bf6OyZfHBiY?si=hoK5-DyvwMSldOxx

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Divorce is never just emotional—it’s a financial earthquake. From splitting assets and debts to navigating alimony and future responsibilities, separating finances is often more complicated than ending the relationship itself.

But here’s the big question: How do you protect yourself financially before, during, and after a divorce? And what are the biggest money mistakes couples make that leave them vulnerable?

In this episode, we unpack:

• The financial red flags to watch for during a marriage
• How asset division actually works in Indian divorces
• Why financial transparency between partners is non-negotiable
• Essential steps to rebuild your finances after separation
• Real-life stories of financial blind spots that turned into nightmares

Watch full conversation with Aditi Mohoni: https://youtu.be/-Ir0szqH4_s?si=1cKJuu-i-wrY1hQC

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Investing usually brings to mind stocks, bonds, and real estate. But what if we told you that art—yes, paintings and sculptures—can also be a serious asset class? While some pieces sell for millions, others fade into obscurity. So, what makes art a valuable investment, and how do you know if it’s worth your money?

More people, especially in India, are beginning to see art as more than just decoration. But before diving in, it's important to understand how the market works and the risks involved.

In this episode, we explore:

• How art is valued and what drives its price
• The influence of galleries, museums, and collectors on an artist’s market value
• Key factors that separate good investments from emotional purchases
• Emerging trends like fractional ownership, NFTs, and art leasing
• Whether art should be a part of your investment strategy

Watch full conversation with Pratik Sharma: https://youtu.be/PFxVo5jY3Ac?si=w_T8eG2r4ZaJgsYZ

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Have you ever felt guilty about spending money, avoided checking your bank balance, or worried about finances even when things were going well? You’re not alone. Our relationship with money isn’t just about income and expenses—it’s shaped by past experiences, deep-seated beliefs, and even generational patterns.

But here’s the big question: How does financial trauma shape our money habits, and what can we do to break free from it?

In this episode, we explore:

• How past financial experiences influence your decisions today
• The emotional impact of growing up with scarcity or financial instability
• Common money fears and how they manifest in adulthood
• Practical ways to heal financial trauma and build a healthier money mindset

Watch full conversation with Dr. Nitasha Pandey: https://youtu.be/m2bL8UXz0UA?si=_6RyFAeOtTInOg9K

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

In recent years, India has witnessed an unprecedented surge in personal loans, credit card spending, and household debt. With digital platforms making borrowing as easy as a tap, access to credit has never been faster. But as loans pile up, so do the risks. Are we on the brink of a credit bubble, or is this just the natural evolution of a growing economy?

In this episode, we explore:

• The driving forces behind India’s credit boom and how it compares to past financial crises
• The shift from corporate to household borrowing and its implications for the economy
• The role of fintech in reshaping India’s lending landscape and the risks of over-leveraging
• Early warning signs of a debt trap and how to avoid falling into one
• The regulatory measures in place to prevent a crisis and whether they’re enough

Watch full conversation with Radhika Pandey: https://youtu.be/8507vYwKYmI?si=YkmASQJlRHnF5YIw

Watch full conversation with Bhavin Patel: https://youtu.be/7AxbRUISzIE?si=d0ZoVtv0SlH1F3ef

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

You’ve been investing in Indian stocks, tracking market trends, and watching your portfolio grow. But have you ever considered looking beyond borders? In 2024, the S&P 500 (when converted to rupees) outperformed India’s stock indices, and with the rupee hitting record depreciation against the dollar, global investing is becoming more relevant than ever.

But here’s the big question: Should you invest in US markets? And if so, how do you navigate currency risks, taxation, and the right investment strategies?

In this episode, we break down:

• Why Indian investors are increasingly looking at US equities
• How currency fluctuations impact your global returns
• The behavioral biases driving this investment trend
• Key regulations, tax implications, and the role of Gift City
• Common mistakes to avoid when investing internationally

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Watch full conversation with Devina Mehra: https://youtu.be/lq9gU4zY7aM?si=m__QT_553mR3yZxA

Watch full conversation with Neil Borate: https://youtu.be/6pnK9un7aZI?si=mw3oPQdCIKNyPZf2

Indians have a deep-rooted love affair with gold—it’s a family heirloom, a financial safety net, and a symbol of prosperity. With over 24,000 tonnes of gold owned by Indian households, our obsession isn’t just cultural—it’s economic.

But here’s the bigger picture: Why do governments, central banks, and investors continue to trust gold in an era dominated by stocks and cryptocurrencies? And how has gold evolved from a physical asset to digital investments like ETFs and sovereign gold bonds?

In this episode, we break down:

• How gold serves as a hedge against inflation and economic downturns?
• Why central banks are accumulating gold at record levels?
• The psychology behind India’s unwavering faith in gold
• The shift from traditional jewelry to modern gold investment options
• How much gold should actually be in your portfolio?

Watch full conversation with Sachin Kothari: https://youtu.be/buLuCqBWMbs?si=WU09iu2tJuYHND

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Retirement: the word conjures up images of leisurely pursuits, travel, and finally having the time to do the things you've always dreamed of. But for many Indians, the reality is far from idyllic. With a significant portion of the population yet to start saving, and existing savers plagued by anxiety about their financial future, retirement looms as a distant and uncertain prospect.

In this episode, we delve into the anxieties and aspirations surrounding retirement in India. We'll explore:

• Retirement Reality: Why are so many unprepared?
• Retirement Products: NPS, PPF, and other options.
• Best Fit: Finding the right products for you.
• Planning Better: Setting goals, budgeting, and investing.

Watch full conversation with Rajani Tandale: https://youtu.be/Nv4QhBsn0AI?si=0oUCfH7WwE2qJOAp

Watch full conversation with Kuldeep Parashar: https://youtu.be/QQdYu66zMr8?si=tkKBru-OhGzUaYne

Watch full conversation with Sriram Iyer: https://youtu.be/H2laCAidZcc?si=_dweY-fRwHffyY

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

The Indian wedding industry is worth a jaw-dropping $130 billion—double the size of the U.S. wedding market and nearly 1.5 times the GDP of Sri Lanka. With over one crore weddings happening annually, the average family spends twice as much on a wedding as on education, showcasing the cultural and emotional significance of these grand celebrations.

But here’s the question: How do you balance creating the wedding of your dreams with financial security, especially when unexpected costs can quickly spiral out of control?

In this episode, we tried to understand the financial dimensions of Indian weddings and discuss:

• The cost spectrum of Indian weddings, from ₹30 lakhs to ₹35 crores.
• Emotional and social pressures that drive overspending.
• Real-life budgeting challenges and surprises.
• How inflation has tripled wedding costs in recent years.
• Smart post-wedding financial planning tips.

Watch full conversation with Pratik:https://youtu.be/E5LPpIdj-o4?si=LHoJ17VgrwPZEsvF

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Have you ever imagined owning a share of a premium commercial property in a bustling corporate hub—earning steady income without shelling out hundreds of crores upfront?

What if we told you this isn’t just a far-fetched dream? Picture yourself owning a piece of an iconic skyscraper or reaping dividends from India's most coveted real estate, all without the hassle of managing tenants, dealing with maintenance, or shouldering massive costs. Sounds enticing, doesn’t it?

Welcome to the world of alternative real estate investments—a revolutionary space making premium properties accessible through innovations like REITs and fractional ownership.

In this episode of Temperament, we dive into:

• How REITs are democratizing real estate by allowing you to invest with just a few thousand rupees
• The concept of fractional ownership and how it’s transforming the real estate landscape
• A comparison between traditional property ownership and these modern investment tools
• Why alternative real estate investments are gaining traction and what they mean for you as an investor

Watch the full conversation with Shiv Parekh: https://youtu.be/oWqY75h2uIM?si=FEJ99RoixrPclzyd

Watch the full conversation with Ashish Khandelia: https://youtu.be/k5LgAUhV-eA?si=HOruvdQ1J017HBWN

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

The price of everything you buy—the chai you sip, the gas you fill, the stocks you invest in—isn’t just about supply and demand. It’s part of a much bigger web of forces at play, one we often hear about but rarely stop to understand: macroeconomics.

Think about it. When inflation rises, your money buys less. When GDP grows, it could mean more jobs and higher incomes. And when the government shifts policies, your taxes, investments, and even daily expenses can take a hit. These aren’t just numbers—they’re signals shaping your everyday life.

Hence, in this episode of temperament we explored

• What inflation really costs you?
• Why government policies matter more than you think?
• How India’s bold vision of becoming a developed country by 2047 could rewrite the rules of the game.

Listen to full conversation with Ankita Pathak: https://youtu.be/Xljd6Hs3tc8?si=iT34todvQLkhzABn

Listen to full conversation with Navneet Munhot: https://youtu.be/zANtCxxY4rM?si=7zh9ma-5Uq71nRcM

Listen to full conversation with Niket Shah : https://youtu.be/5MjY1EbMBRI?si=mfVxFDAbFIA3GxWw

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Short-term rentals have emerged as a popular avenue for passive income, with India becoming a key player in this trend. According to Amanpreet Bajaj, Airbnb India’s General Manager, the country is one of Airbnb’s fastest-growing markets.

In 2023 alone, Airbnb saw a 30% increase in nights booked across India, with domestic bookings skyrocketing by 110%. As Indians embrace travel and look for stays that combine comfort with unique experiences, short-term rentals are booming.

But is running an Airbnb or a short-term rental as straightforward as it seems?

In this episode of Temperament, we dive into:

• The challenges of starting and managing an Airbnb
• The rapid growth of short-term rentals in India
• Top markets to consider for investment
• The costs, returns, and profitability of short-term rentals

Watch the full conversation with Amit: https://youtu.be/uCzfGf8n7_o?si=HZNUc-2Q7WuT-IKV

Watch the full conversation with Rafique: https://youtu.be/d_yxRKXt2CI?si=dUq0bKAgc2DF6X8a

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

"Mutual Fund Sahi Hai"—a phrase we’ve all heard. And the numbers prove it.

India's mutual fund industry has experienced remarkable growth, expanding sixfold in the last decade to manage an impressive ₹61.33 trillion by mid-2024. It’s clear that more Indians are harnessing the power of compounding and making their money work for them.

Yet, here’s the paradox: 97% of investors discontinue their SIPs within five years. If mutual funds are so effective, why do so many struggle to stay invested long-term?

In this episode of Temperament, we uncover the answers. We discussed

• Why mutual funds are essential for every investor.
• Behavioral biases affecting both fund managers and investors.
• The reasons behind India’s low mutual fund penetration.
• Common mistakes investors make—and how to avoid them.
• 
  

Watch full conversation with Gajendra: https://youtu.be/1IopPA-4My0?si=k1_NnsJXn63y0aOl

Watch full conversation with Swarup: https://youtu.be/CumXmEiV_1A?si=h_dYWPA6ZqO0CoVO

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Every startup success story makes angel investing look irresistible. From Sanjeev Bikhchandani's 4.7 crore investment in Zomato turning into 15,000 crores to early investors making 200x returns, these astronomical numbers are capturing everyone's attention. But behind these headline-grabbing exits lies a complex world of calculated risks and strategic decisions.

In this episode, we dive deep into the realities of angel investing and explored

• What separates successful angel investors from those who lose money?
• Essential factors to evaluate before writing your first investment check
• Strategic frameworks to identify promising startups
• Why most angel investors fail despite backing innovative ideas?
• Emerging sectors that could produce the next generation of unicorns

Watch full conversation with Anirudh: https://youtu.be/5ttcZG0Ti4o?si=0GVtkAxN53EHIv5h

Watch full conversation with Arjun: https://youtu.be/XyvK_qg8P08?si=iyTGj1-bqAMo1KtI

*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.