Money as a topic was never taught in Schools, Colleges, & even Universities. No one knows how to manage money, how to invest, how to save, and end up making ample money mistakes that they later regret.
Hi! I am Kushal Lodha, a Rankholder CA (AIR 6, 5, 5), CFA and ACCA and through my podcast, Konversation with Kushal, I help you become better when it comes to managing your finances and making you rich. If you want to become smart when it comes to your finances & make the right career decisions, this podcast will help you achieve that goal!
Our purpose is to make you financially literate, by calling experts who can guide you, and help you take better informed decisions.
We bring top leaders and ideas from the world of finance to teach you to get a slight edge in your life. Subscribe NOW!
You can connect with me on:
LinkedIn: www.linkedin.com/in/kushal-lodha-90334b159/
Instagram: www.instagram.com/kushallodha548/?hl=en
Twitter: twitter.com/kushallodha548
Kushal Lodha
She didn’t even wait for her CA Foundation results to start preparing for CA Intermediate.
While most students were celebrating their one-month break, she was already back in the classroom.
Just 5 days after her exams ended in June, she joined the Early Bird batch for CA Intermediate.
She realized a brutal truth: the jump from Foundation to Inter is a staggering 10x increase in syllabus.
Waiting for results would mean losing 4 critical weeks of momentum.
This proactive mindset took Disha Gokhru from the classroom to the All India Rank 1 position in her CA Intermediate exam.
Her unconventional routine also deserves equal attention.
She became a total Night Owl, studying from 10:30 PM to 4:00 AM because her productivity peaked when the world was silent.
She also made one non-negotiable rule to finish self-study for everything taught in class on the exact same day.
She knew that if she didn't register the concepts immediately, her anxiety would skyrocket.
Her journey shows how success doesn’t start when you get the result.
It starts the moment you decide to outwork everyone else while they are still waiting.
Full conversation with the CA Intermediate AIR 1 on the exact schedule for success is on my YouTube channel.
Link: https://youtu.be/qSdCSp7hGL0
#ca #intermediate #strategy #kushallodha
1 day ago | [YT] | 726
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Kushal Lodha
He currently manages ~₹5,000 Crores in AUM and has scaled it from ₹200 Crore in less than 3 years.
He made his first ₹1 Crore at the age of 27.
He earned a ~25% XIRR over 15 years on his investments in small cap mutual funds.
He follows a Q-GARP framework (Quality and Growth at Reasonable Price) to ensure that even high-growth stocks are only bought at the right valuation.
He is none other than Mr. Varun Gupta, the CEO of Groww Mutual Fund.
In the latest episode of Konversation with Kushal, we went deep into the mechanics of SIPs and Asset Allocation. He shared financial mistakes including buying a house as well as why investing in ULIPs, both of which barely gave him 6-7% returns. We also discussed the Satellite Portfolio strategy - keeping 10-15% of your money in thematic funds like Defense or Railways while the rest stays in core diversified equity.
He also shared a surprising trend where people in urban India now spend more on medical care than on food staples. He broke down the hospital industry’s unit economics, explaining that since 60–70% of costs are fixed, profitability is triggered as soon as they hit 30–40% capacity utilization. From his roller coaster career in startups to the Q-GARP framework for investing, this episode is a practical guide to building wealth.
Link: https://youtu.be/JYmc-VyudjA
#investing #mutualfunds #SIP #wealthcreation #StockMarket #KushalLodha
2 days ago | [YT] | 206
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Kushal Lodha
He invested in Aurobindo Pharma in 2001 when its turnover was just ₹300 Crores and saw it scale to over ₹32,000 Crores.
He worked for 18 years with Mark Mobius at Franklin Templeton & helped him build the Emerging Markets asset class.
He currently serves as the Chairperson of CFA Society India & shared how India has the largest pool of CFA aspirants, with ~40,000 students appearing for exams every year.
He believes traditional PE ratios are becoming less relevant & instead focuses on buying cheap earnings.
He is none other than Mr. Rajesh Sehgal, the Managing Partner at Equanimity Investments.
In the latest episode of Konversation with Kushal, we discussed his investing philosophy of buying cheap earnings & broke down his framework to identify that. He explained that volatility is the new normal and waiting for the market bottom is a mistake most investors make. He shared his unique strategy of investing across Public Markets, Private Equity, and Venture Capital.
We covered his thesis on why Wellness Forever and Renée Cosmetics succeeded by solving deep-rooted distribution problems. We also talked about the big shift in how young Indians spend money. He shared how people under 30 are now choosing travel and experiences over buying houses.
He also shared an interesting advice on why every 21-year-old should take a little bit of exposure in direct stock to learn the "why" behind market movements.
This episode is powered by Groww.
Link: https://youtu.be/0x4vcsMey1s
#investing #stocks #CFA #Finance #KushalLodha
2 days ago (edited) | [YT] | 144
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Kushal Lodha
He is an IIT Bombay & IIM Ahmedabad graduate who has evaluated over 14,500 startups as an investor.
He recently launched a ₹100 Crore fund that was oversubscribed by 2.2 times and finally closed at ₹165 Crores.
He has already invested in 33 companies with the aim to reach 100 startups over the next 2-3 years.
He predicts that India will have a $100 Billion tech company by 2035 & believes that Zomato is a top contender.
He is none other than Aviral Bhatnagar, the Founder & Managing Partner at AJVC as well as a leading voice on startups & investing.
In our recent episode of Konversation with Kushal, we talked about what it takes to build a huge business, diving into companies like Eternal, BookMyShow & Urban Company. We covered his 3 C's framework (Catalogue, Cost, and Convenience) to evaluate Quick Commerce players. We also discussed Amazon Prime & how they bundle services to get people to spend more money without thinking about delivery fees.
Aviral also broke down his own investment philosophy, explaining why he prioritizes Health, Family, and Career in that specific order, even while running a high stakes fund. From his decision to live in Pune to his insights on why Meesho succeeded by attacking the unprofitable part of the market first, this episode is a blueprint for anyone trying to understand where the next trillions in value will be created in India.
This episode is powered by Groww.
Link: https://youtu.be/vYyc81kVqyQ
#startups #investing #India #Zomato #Business #KushalLodha
4 days ago | [YT] | 326
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Kushal Lodha
He started as one of the first few employees in the investment team at Mirae Assets in 2008 & has seen the firm's AUM scale from zero to over ₹2.25 Lakh Crores.
He manages the Large & Midcap Fund (formerly Emerging Bluechip), which has delivered a staggering 20%+ CAGR across 15 years, growing an NAV of ₹10 to ~₹170.
He has also generated a 19% CAGR in an ELSS fund across ~10 years.
He relies on a strict "15/15" Rule: Companies must grow at least 15% annually and maintain a pre-tax Return on Capital Employed (ROCE) of over 15%.
He is none other than Neelesh Surana, the Chief Investment Officer at Mirae Asset Global Investments (India).
In the latest episode of Konversation with Kushal, we went deep into the framework that fueled one of India's most successful mutual fund journeys. He broke down the difference between Price & Value and explained how his team uses Discounted Cash Flow (DCF) to find gaps where the market has undervalued a business. He also addressed the recent K-Shaped Recovery post-COVID and why he believes the mass consumption sector is finally ready for a revival.
From his first-ever research report on Hindustan Zinc, which eventually went up over 100x, to his views on why investors should ignore point-to-point returns in favor of rolling returns, this episode is a masterclass for any serious investor. Whether you're curious about why a 60 P/E stock can sometimes be cheap or why 90% of his personal wealth is in equities, Neelesh’s disciplined approach is a blueprint for long-term wealth creation.
This episode is powered by Groww.
Link : https://youtu.be/zWIlVZjqWm4?si=Qcq78...
#investing #mutualfunds #stockmarket #wealth #KushalLodha
1 week ago | [YT] | 316
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Kushal Lodha
He has taught strategy & entrepreneurship at Harvard Business School for over 30 years.
He has taught millions of students globally through his popular online and offline courses.
He co-founded the Aspire Institute, a non-profit that has already impacted nearly 400,000 young adult lives.
He also co-founded Chai Point which currently sells over 1 million cups a day in India.
He is none other than Tarun Khanna, an esteemed professor at Harvard Business School as well as a veteran entrepreneur.
In the latest episode of Konversation with Kushal, we discussed whether an MBA is worth it after 25. He explained that formal education is about systematizing your world experience and gaining exposure to a global marketplace of ideas through a peer network of students from over 190 countries.
He also shared a massive warning regarding India’s falling R&D spending, which is currently just 0.5% to 0.7% of GDP. He believes our future growth depends on connecting scientists with CEOs to own intellectual property, arguing that mastering deep-tech and science is the only way to escape India's potential Middle Income Trap.
This episode is powered by Groww.
Link : https://youtu.be/EZZeUlBBk4Q?si=4NaVB...
#MBA #Harvard #Entrepreneurship #India #Science #Innovation #KushalLodha
1 week ago (edited) | [YT] | 238
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Kushal Lodha
He joined Aditya Birla Sun Life AMC in 2006 when its AUM was around ₹5,000 Crores and scaled it to over ₹3.5 Lakh Crores in the next 15 years when he left as Co-CIO.
He identified winner stocks with 10-20X returns like Banaras Hotels & Motilal Oswal during 2013 through the Modi Trade thesis.
He predicts that Bonds will outperform Equities in 2026 & there might be a White Collar Job crisis in the medium to long term future.
He uses a Top-Down Framework where he analyzes country-level macro and industry cycles before picking a single stock.
He is none other than Maneesh Dangi, the Founder & CEO at Mosaic Asset Management.
In the latest episode of Konversation with Kushal, we discussed why he believes the current equity market is slowing and why he is leaning towards Bonds for the near term. He shared his high-conviction view that for young investors, the best move is to bet heavily on Tech and IT, as software continues to eat the profit pools of legacy industries like banking and healthcare.
He also broke down his Anti-Incumbency strategy, identifying agile companies that use AI to disrupt giant legacy players. From his Modi Trade thesis in 2013 to his Spanish Flu template for the COVID crash, this episode is a masterclass in reading macro cycles and knowing exactly when to dial up your risk.
This episode is powered by Groww.
Link : https://youtu.be/PPJRk3iiYys
#investing #wealth #stockmarket #multibagger #kushallodha
2 weeks ago | [YT] | 317
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Kushal Lodha
He is a technical analyst with 20 years of experience & has given 700+ media interviews since 2005.
He bought Gold at $1,800 and sold it at $3,500, but now warns that a 25% price correction is possible.
He caught the Silver rally early at rates as low as ~$17 but has started to cash out at a peak of $90-$95.
His best performing recent bet was Eternal, which he bought at ~₹50 & rode the rally until it reached over ₹300, exiting just as it reached a ₹3 lakh crore market cap.
He predicts that Indian markets can potentially correct by 10% in the near term, and that China is currently in a position where Gold was 2.5 years back.
He is none other than Gautam Shah, the founder of Goldilocks Global Research.
In the latest episode of Konversation with Kushal, we discussed his journey from a nervous student in 2005 to becoming a top market expert. He shared his favorite tool, the 20 & 50 day Moving Average crossover, which helps investors catch big trends while ignoring daily noise.
We also dived into why he thinks the India Story is currently overvalued and due for a healthy correction. He suggests looking at PSU Banks and metals like Copper as the only remaining value pockets in India. Surprisingly, he is now very bullish on China, believing it is where Gold was years ago, undervalued and ready for a major comeback.
This episode is powered by Groww.
Link : https://youtu.be/pAuQZUzCMec?si=wseqc...
#investing #stockmarket #wealth #gold #silver #kushallodha
2 weeks ago | [YT] | 282
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Kushal Lodha
He manages a massive ₹22 Lakh Crores at one of India’s oldest and largest fund houses.
His investment in Britannia went up by 20-30 times in just 10 years, since he spotted a consumer giant early.
He predicts that the Indian Rupee will surprise the world in the next 12-18 months, driven by India’s sound fiscal and monetary discipline.
His company uses an internal investing framework called Score Alpha & publishes its data points publicly for better accountability.
He is none other than Vetri Subramaniam, the MD & CEO at UTI AMC & a veteran with over 30 years of market wisdom.
In the latest episode of Konversation with Kushal, we dived deep into why Unit Economics & Cash Flow are essential for long-term wealth. We discussed the contrast between companies that chase growth blindly and those like D-Mart and Trent, which perfected the profit model of a single unit before scaling it across India.
He also explained why he currently views Mid and Small-cap valuations as risky, suggesting that the safety of large caps offers a much more realistic growth path today. We also explored the mindsets of legendary investors like Rakesh Jhunjhunwala and Radhakishan Damani.
From correcting his early mistake of selling HDFC Bank to successfully identifying bets like Britannia, this masterclass is a lesson in staying flexible and grounded in data.
This episode is powered by Groww.
Link : https://youtu.be/mivGU7FnIM8
#investing #wealth #stockmarket #multibagger #kushallodha
2 weeks ago | [YT] | 283
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Kushal Lodha
Silver prices rose by 150% in the last one month.
Yet Silver crashed by 15% just yesterday, hitting the lower circuit.
Is Silver's rise sustainable or is it just hype? It can all be tracked to largely one reason behind this chaos: China.
China currently refines 70% of the world’s silver and has effectively manufactured an artificial shortage by restricting exports.
In the latest episode of Konversation with Kushal, I spoke with Jayant Mundhra to decode what led to the recent silver rally and what can be expected in the future.
We spoke in depth about what's driving the rise of commodities like Gold, Silver & Copper and broke down the possible future trends. Here's what we covered -
-> Silver - The rally is largely artificial, driven by China's supply chain control and the prices might possibly go down as Chinese trade controls reduce with time. In the long run, Silver is likely to be high in demand, with the price being determined by supply chain dynamics based on oversupply or artificial scarcity by China
-> Gold - The rally appears quite sustainable, since central banks across countries are buying it & offloading US debt. However, there exists a possible risk of oversupply by China which needs to be followed
-> Copper - The world has seen a huge increase in capacity for copper refining but the copper concentrate is limited. New mines are being explored for extraction but it remains to be seen when such projects will be financed & whether mining quantity exceeds the refining capacity
This episode is powered by Groww.
Link : https://youtu.be/qjCIuXeW0ag
#investing #silver #gold #copper #kushallodha
3 weeks ago | [YT] | 298
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