Wealth by Motilal Oswal

Motilal Oswal
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Wealth by Motilal Oswal is a premium podcast platform that brings together some of the most respected founders, business leaders, and industry experts who have built enduring institutions over time. This is not surface-level storytelling. Each episode goes deeper into how real wealth is created, through disciplined capital allocation, thoughtful risk-taking, long-term thinking, and the ability to execute under uncertainty. The conversations move beyond headlines to uncover the frameworks, decisions, and defining moments that shape successful journeys. At its core, the show is about understanding how experienced operators think. From lessons learned the hard way to mistakes that refined their approach, every discussion offers nuanced insights into the realities of building and sustaining wealth. Whether you are an entrepreneur, investor, or someone looking to better understand business and markets, Wealth by Motilal Oswal offers a front-row seat to conversations with people who have truly been there and done that.  

  1. 2d ago

    Inside WeWork India: The Business Model Behind Flexible Workspaces | Karan Virwani

    Karan Virwani is the Managing Director & CEO of WeWork India, who has played a key role in building and scaling one of India's leading flexible workspace businesses. Having brought WeWork to India in 2017, he has navigated the company's journey through the global WeWork crisis, funding challenges and the changing dynamics of commercial real estate. In this episode of Wealth by Motilal Oswal, Karan joins us for an insightful conversation about building WeWork India, the economics of co-working spaces, and what it takes to create a sustainable business in a capital-intensive industry. From surviving 18 months without money in the bank and navigating investor uncertainty to understanding why WeWork India took a different approach from its global counterpart, Karan breaks down the business behind flexible workspaces and the lessons that shaped its growth. He also explains the economics of running a co-working business, including the importance of occupancy, capital expenditure, pricing, revenue streams and unit economics. Drawing from his experience, he shares his perspective on entrepreneurship, building strong teams, the importance of cash flow, and why sustainable growth matters more than chasing valuations. The conversation also explores the future of commercial real estate, the impact of AI and hybrid work, changing workplace expectations across generations, and why India could become a major growth market for flexible workspaces. Key topics covered: • How WeWork India started and why Karan believed co-working would work in India • How WeWork India's business model differs structurally from its global counterpart • Surviving the global WeWork crisis and going 18 months without money in the bank • Why investors turned away from WeWork India and how the business navigated its funding challenges • Lessons from Adam Neumann and the global WeWork journey • Why WeWork is fundamentally a brick-and-mortar business and not a tech business • The importance of unit economics, profitability and cash flow over growth at any cost • What Karan learned from his family's real estate business and the importance of long-term partnerships • How WeWork evaluates locations before committing to a new building • Business mistakes, failed locations and why expanding into every market isn't always the right strategy • How to start a co-working business and understand its initial capital expenditure • Breaking down co-working economics: occupancy, break-even points, margins and payback periods • How much it costs to convert a commercial building into a premium co-working space • Co-working spaces vs traditional offices: understanding the cost and value proposition • How flexible workspaces help businesses move from CAPEX to OPEX • Additional revenue streams through on-demand access, parking, events, F&B, advertising and studio rentals • Competition in India's flexible workspace market and what differentiates WeWork • Why brand, customer experience and landlord relationships are key business advantages • How co-working has evolved from serving startups and freelancers to large enterprises and traditional businesses • How AI, hybrid work and changing business needs are shaping the future of offices • Why premium office spaces and workplace experience matter to employees • Millennials vs Gen Z: changing workplace expectations, work culture and flexibility • The future of commercial real estate in India, the growth of GCCs and domestic businesses • Rapid fire: business lessons, India's talent advantage and advice for young entrepreneurs Chapters 00:00 Cold Open 01:16 The WeWork India Story: From Global Crisis to Growth 03:01 Why Karan Virwani Brought WeWork to India 05:04 WeWork India vs Global WeWork: What Changed? 08:39 Surviving the Global WeWork Crisis 11:23 Growth at Any Cost vs Building a Profitable Business 14:44 Lessons from Adam Neumann and the Global WeWork Journey 18:13 What Traditional Real Estate Taught Karan About Business 20:37 How WeWork Evaluates a New Location 23:53 Business Mistakes and Lessons from Failed Locations 25:26 Can You Build a Co-working Business Without Big Backing? 28:03 The ₹1,500 Crore Funding Deal That Fell Through 32:08 The Economics of Starting a Co-working Business 35:38 The 55% Occupancy Break-Even Point Explained 37:56 How Much Does It Cost to Build a Premium Co-working Space? 39:19 Co-working vs Traditional Offices: Where Is the Value? 42:02 Why Co-working Can Cost Less Than a Traditional Office 46:44 The Hidden Costs of Running an Office 47:53 How WeWork Makes Money Beyond Desk Rentals 50:35 Competition in India's Flexible Workspace Market 52:25 What Is WeWork India's Competitive Advantage? 54:15 The Power of the WeWork Brand 57:22 How Co-working Became Mainstream in India 59:54 AI, Hybrid Work and the Future of Offices 01:01:57 Work From Home vs Work From Office: Where Do We Stand? 01:03:16 Why Workplace Quality Matters More Than Ever 01:05:37 Millennials vs Gen Z: How Workplace Expectations Have Changed 01:08:06 GCCs and the Future of Commercial Real Estate in India 01:11:07 What Makes WeWork India's Strategy Different? 01:12:10 Rapid Fire: Business Lessons and Advice for Entrepreneurs 01:13:33 Final Takeaways: Building for the Long Term What you’ll learn from Wealth by Motilal Oswal: Real-world insights into building and scaling businesses Business lessons from experienced founders and industry leaders Practical understanding of business models, unit economics and profitability Insights into capital allocation, cash flow and sustainable growth Perspectives on entrepreneurship, leadership and long-term decision-making Whether you're an aspiring entrepreneur, a business owner, an investor or someone interested in India's evolving real estate and startup ecosystem, this conversation offers a deeper understanding of building a business, managing risk and creating long-term value. Subscribe to Wealth by Motilal Oswal for conversations on wealth creation, investing, business leadership, financial literacy and long-term financial planning. Explore our other channels: Markets by Motilal Oswal → @marketsbymo Trades with Motilal Oswal → @breakoutwithmo Learn with Motilal Oswal → @learnwith_mo Partners at Motilal Oswal → @partnersatmotilaloswal Follow us on Instagram: @wealthbymo_official #KaranVirwani #WeWorkIndia #WealthCreation #Entrepreneurship #BusinessStrategy #CommercialRealEstate #Coworking #StartupEcosystem #FutureOfWork #WealthByMO #MotilalOswal

  2. Oct 26

    Why Chasing Top-Performing Funds Can Destroy Your Wealth ft. Radhika Gupta of Edelweiss MF

    Radhika Gupta is the Managing Director & CEO of Edelweiss Mutual Fund, known for her candid views on investing, financial literacy and the habits that help build long-term wealth. In this episode of Wealth by Motilal Oswal, Radhika joins us for an honest conversation about navigating market volatility, avoiding the trap of chasing returns, and building an investment portfolio that reflects your goals rather than market trends. From explaining her “Dal Chawal” approach to investing and making the case for global diversification to challenging the ₹40 crore retirement myth, she breaks down some of the biggest questions facing Indian investors today. She also shares her approach to retirement planning, annual budgeting, mutual fund selection, financial independence for women, and teaching children about money. Drawing from her own experiences, Radhika explains why investing should be driven by purpose, consistency and an understanding of risk — not fear or comparison. Key topics covered: • Why Indian equity investors are frustrated and what the long-term outlook for India looks like • Why chasing outperforming stocks and mutual funds can hurt long-term wealth creation • The “Dal Chawal” philosophy: keeping your investment portfolio simple and balanced • Global investing: why diversification matters beyond Indian markets • Financial advice for young investors, SIPs and building saving habits • How to choose investment products based on your financial goals • Asset allocation across equity, debt, gold and international investments • How your savings and portfolio should evolve as you approach retirement • Why Radhika Gupta challenges the ₹40 crore retirement corpus myth • How to select mutual funds and think about active versus passive investing • How often you should review, rebalance and restructure your portfolio • Annual budgeting, increasing SIP contributions and managing household finances • Her personal relationship with money, spending and financial anxiety • Teaching children financial literacy from an early age • Why women should take charge of their own finances • Rapid-fire insights on gold, financial habits and advice for young investors Chapters 00:00 Cold Open 01:23 Meet Radhika Gupta: Beyond the Headlines 02:55 Indian Markets: Frustration, Volatility and the Long-Term Outlook 06:00 Why Chasing Returns Can Destroy Wealth 08:19 The “Dal Chawal” Philosophy of Investing 10:52 Global Investing: Why Diversification Matters 14:26 Financial Advice for Young Investors 17:07 Finfluencers, Quick Returns and Financial Advice 18:40 How to Choose the Right Investment Products 21:40 Building a Balanced Portfolio: Equity, Debt and Gold 23:51 How Your Investment Strategy Should Evolve With Age 26:40 Radhika Gupta’s Mutual Fund Selection Checklist 28:42 How Many Mutual Funds Do You Really Need? 29:57 Active vs Passive Investing: Which Approach Works? 31:11 Does a Bigger Mutual Fund Always Mean Better Performance? 32:39 How Often Should You Review Your Portfolio? 33:57 SIFs Explained: The Rise of Specialised Investment Strategies 36:01 The ₹40 Crore Retirement Myth: How Much Do You Really Need? 38:33 Is It Too Late to Start Investing? 39:43 Annual Budgeting, Household Finances and Stepping Up SIPs 42:33 Fixed Income, Tax Efficiency and Managing Money 43:36 Radhika Gupta on Money, Spending and Financial Anxiety 46:18 The Role of Parents, Education and Generational Wealth 48:39 Raising Financially Literate Children 50:40 Understanding Risk and Avoiding Portfolio Mistakes 52:26 Why Women Must Take Charge of Their Finances 53:40 Rapid Fire: Investing Myths, Gold and Life Beyond Work 55:43 Advice to Her 25-Year-Old Self 55:57 Radhika Gupta’s Advice to Young Investors 56:22 Final Takeaways: Consistency, Goals and Long-Term Wealth What you’ll learn from Wealth by Motilal Oswal: Real-world wealth-creation frameworks Investment insights from experienced financial leaders Practical lessons on mutual funds and portfolio construction Mindset, risk management and long-term decision-making Personal finance lessons you can apply at different stages of life Whether you're starting your investment journey, managing an established portfolio, or planning for retirement, this conversation offers a grounded perspective on building wealth without getting distracted by market noise. Subscribe to Wealth by Motilal Oswal for conversations on wealth creation, investing, business leadership, financial literacy and long-term financial planning. Explore our other channels: Markets by Motilal Oswal → @marketsbymo Trades with Motilal Oswal → @breakoutwithmo Learn with Motilal Oswal → @learnwith_mo Partners at Motilal Oswal → @partnersatmotilaloswal 📲 Follow us on Instagram: @wealthbymo_official

  3. Oct 19

    Is This the Time to Buy Indian Equities? Pankaj Tibrewal on FII Outflow & Investment Opportunities

    In this episode of Wealth by Motilal Oswal, we are joined by Pankaj Tibrewal, Founder of Ikigai Asset Manager and one of India’s most respected fund managers with over two decades of market experience. In a volatile market environment where investors' patience is being tested, Pankaj breaks down his core investment frameworks, his insights on reading current market conditions, managing risk, and spotting long-term wealth creators. Key Takeaways: • Understanding the disconnect between market performance and strong economic indicators. • How global interest rates, US bond yields, and dollar devaluation affect long-term cost of capital. • Impact of foreign investor selling and the cushion provided by domestic savings. • Evaluating business management, succession planning, and promoter-led companies. • Criteria for identifying multibaggers, including cash flows, balance sheet strength, and market size. • Balancing company growth with stock valuation using the PEG ratio. • Key growth sectors: manufacturing (Europe + 1), consumer discretionary (premiumization), and financial services. • Active vs. passive investing approaches for mid-cap and small-cap stocks. • Developing investor discipline, controlling emotions, managing risk, and the benefits of meditation. Chapters: • 00:00 – Teaser & Highlights • 01:45 – Decoding the Current Market Phase & Volatility • 08:25 – Cost of Capital, Global Bond Yields & Dollar Debasement • 12:30 – FII Selling vs Domestic Inflows: When Will the Tide Turn? • 20:30 – The "Two Indias" in the Stock Market Today • 23:50 – Promoter's Edge: How to Evaluate Jockeys Running the Business • 29:40 – Gorilla to King Kong Framework: Identifying Future Industry Leaders • 37:45 – Valuing New-Age Tech Companies & Unit Economics • 39:25 – Big Mega Trends: Manufacturing (Europe + 1), Premiumization & Financialization • 44:50 – Active vs. Passive Investing in Mid & Small-Cap Spaces • 47:05 – Managing Growth vs. Valuation: The "Peg Ratio" Mindset • 49:15 – Asset Allocation Strategy for Long-Term Investors • 52:30 – Biggest Mistakes Retail Investors Make & Power of Compounding • 55:30 – Developing the Right Temperament & Inner Self for Investing • 58:30 – Rapid Fire Round Building wealth isn’t about shortcuts — it’s about learning from people who’ve actually created it. Wealth by MO brings you deep, meaningful conversations with India’s most influential wealth creators — founders, CEOs, fund managers, and domain leaders. Every episode gives you: • Real wealth-creation frameworks • Business insights from top founders • Investment lessons for long-term success • Mindset, risk-taking & decision-making wisdom • Decades of experience broken into actionable learning Whether you’re an investor, professional, or entrepreneur, this channel helps you understand how wealth is built — from the people who've done it. 📌 Subscribe for: Wealth-building insights, leadership wisdom, investing journeys, founder stories, market perspective, and long-term planning. Subscribe Here ➜ / @wealthbymo Explore Our Other Channels: Markets by Motilal Oswal ➜ / @marketsbymo Trades with Motilal Oswal ➜ / @breakoutwithmo Learn with Motilal Oswal ➜ / @learnwith_mo Partners at Motilal Oswal ➜ / @partnersatmotilaloswal 📲 FOLLOW US ON Instagram ➜ / wealthbymo_official Download the RIISE App: https://moriseapp.onelink.me/VgB3/8s6...

  4. Oct 12

    Deepak Shenoy on Building Wealth Without Predicting Markets | Stocks, AI & India’s Next Decade

    Deepak Shenoy is the Founder and CEO of Capital Mind Mutual Fund. He started a company in Bengaluru in 1998, fired himself as CEO seven years later, and lost about 80% on a technology mutual fund within months of the 2000 dotcom peak. He went on to build one of India's first algorithmic trading firms and turned a financial blog into Capital Mind, a SEBI-registered asset management firm. Its rules-based system lets the model, not his opinion, decide when to buy and when to sell. At Capital Mind's Flexi Cap fund, he runs 25 to 60 stocks picked from the top 750 companies using factor scores on momentum, value, growth and profitability, with a high active share and minimal discretionary calls. In this conversation, he explains why India is structurally strong even as foreign investors pull back, why he is not bullish on metals, how quick commerce is reshaping FMCG, how to think about valuations, when to exit a stock, and why you should invest in yourself and spend on experiences. Key topics covered: Why India's structural story is intact despite the "least preferred market" poll How services exports and remittances have offset the goods trade deficit Record earnings growth, a 13-year high in credit growth and healthier balance sheets Why India has little public-market AI exposure and why Indian AI must sit "one layer above" How debt in the West is driving global capital flows Why FIIs left India, and how capital gains tax and policy friction keep them away Why he is not bullish on metals and expects the commodity cycle to stay weak How quick commerce and social media are disrupting FMCG distribution and brand building Manufacturing, defence, auto, premium consumption, tourism and financialisation as five-year themes Why the growth sits in mid and small caps Whether Indian IT is a contrarian opportunity or a broken model How Capital Mind's quant, factor-based fund works and why its active share is so high Why growth, not the PE ratio alone, should drive how you think about valuations Why "stocks don't love you back" and how to avoid emotional attachment Time, inclination and skill: how to decide whether to pick stocks or buy a fund Why you should try getting rich fast with money you can afford to lose IPOs: should retail investors participate? The "uncle point" and why discipline matters more than patience Financial priorities for your 20s and 30s, and why spending on experiences matters Chapters 00:00 Introduction / Cold Open 01:38 Deepak Shenoy's Journey: From the Dotcom Crash to Capital Mind 03:48 Why Deepak Is Structurally Bullish on India 05:35 India's Tailwinds: Current Account, Earnings and Credit Growth 10:50 Bank of America's "Least Preferred Market" Poll: Valuations, Policy and AI 14:41 India's AI Exposure: Washing the Windows of the Car 18:43 Debt in the West and What It Means for India 21:35 What Went Wrong for FIIs, and What Will Bring Them Back 24:34 Capital Gains Tax and Policy Hurdles for Foreign Investors 28:05 Why He Is Not Bullish on Metals 31:25 How Quick Commerce Is Changing FMCG 36:04 Sectors for the Next Five Years: Manufacturing, Defence, Consumption, Financialisation 39:23 Why Mid and Small Caps Offer More Growth 41:30 Expensive Valuations and Growth Traps 44:23 Indian IT and AI: Contrarian Opportunity or Broken Model? 48:23 Inside Capital Mind's Quant Strategy 56:10 Valuations: Can a 40 PE Stock Be Worth It? 58:42 Stocks Don't Love You Back: Knowing When to Exit 01:03:22 Time, Inclination and Skill: Stocks or Funds? 01:04:58 What to Buy If You Have No Time: Emergency Fund and Flexi Cap 01:06:25 Chasing Multibaggers: Why You Should Try Getting Rich Fast 01:08:50 Stocks Sold Too Early and the Lessons Learned 01:11:57 Should Retail Investors Participate in IPOs? 01:14:22 Will the Earnings Momentum Continue? Why Markets Reward Discipline 01:15:49 The "Uncle Point" and Lessons from Market Wizards 01:18:35 Top Financial Decisions for Your 20s and 30s 01:22:06 Saving Too Much: Why You Should Spend on Experiences 01:25:05 Rapid Fire Round 01:30:22 Key Takeaways Building wealth isn't about shortcuts; it's about learning from people who've actually created it. Wealth by MO brings you deep, meaningful conversations with India's most influential wealth creators, founders, CEOs, fund managers, and domain leaders. Every episode gives you: Real wealth-creation frameworks Business insights from top founders Investment lessons for long-term success Mindset, risk-taking & decision-making wisdom Decades of experience broken into actionable learning Whether you're an investor, professional, or entrepreneur, this channel helps you understand how wealth is built from the people who've done it. 📌 Subscribe for: Wealth-building insights, leadership wisdom, investing journeys, founder stories, market perspective, and long-term planning. #WealthCreation #BusinessLeadership #InvestingInsights #WealthByMO #CapitalMind #DeepakShenoy #FutureOfInvesting #motilaloswal Subscribe Here ➜ / @wealthbymo Explore Our Other Channels: Markets by Motilal Oswal ➜ / @marketsbymo Trades with Motilal Oswal ➜ / @breakoutwithmo Learn with Motilal Oswal ➜ / @learnwith_mo Partners at Motilal Oswal ➜ / @partnersatmotilaloswal 📲 FOLLOW US ON Instagram ➜ / wealthbymo_official Download the RIISE App: https://moriseapp.onelink.me/VgB3/8s6...

  5. Oct 5

    Forget Blue Chips, Here's Where the REAL Money Is | Samit Vartak

    Samit Vartak is the Founder and CIO of SageOne Investment Managers. He has spent over two decades investing in businesses with strong earnings growth, long runways and the potential to compound wealth over many years. He describes investing not as picking stocks but as buying businesses, with discipline on how much to pay, how much to own, when to add, when to trim and when to walk away. At SageOne, he manages roughly ₹8,900 crore with a concentrated portfolio built around a 20%+ earnings growth hurdle, with a focus on mid and small caps. In this conversation, he shares why India is a structural long-term story even as foreign investors look elsewhere, why the real growth sits in mid and small caps, how to read cash flows and judge promoters, how to size, trim and exit positions, and how losing his entire portfolio in the dotcom crash shaped his temperament. Key topics covered: • Why India could be a better long-term investment than Apple, Samsung or any single-theme market • How India stayed resilient through the tariffs, the Iran-US war and the oil shock • Why FIIs are looking elsewhere in the short term, and what could bring them back • How India's market has widened: the 1,000th company has gone from ₹250 crore to over ₹3,000 crore market cap since 2019 • Why the real growth is in mid and small caps, and how deleveraging has made them less risky • Why price-to-book can be more reliable than PE for small caps • AI as a threat or an opportunity for India's talent pool and IT services • Specialty chemicals, building materials and textile exports: the case for these themes • The 20%+ earnings growth rule and why banks, FMCG and most IT stay out of the portfolio • The valuation trap, the falling knife and the dangers of momentum investing • How to evaluate a business: ROE, operating cash flow to profit, margin predictability • Why he stays away from quick commerce and new-age tech, and why he's fine with FOMO • How to assess promoters, spot red flags and identify real moats • Losing his entire portfolio in the dotcom crash and what it taught him • Samit Vartak's views on temperament, money and the long-term India story Chapters 00:00 Introduction / Cold Open 02:29 Why India Is a Better Long-Term Bet Than Apple 04:36 India's Resilience: Tariffs, Wars and Record Earnings Growth 07:26 Why FIIs Are Ignoring India (For Now) 09:34 The Expanding Breadth of the Indian Market 11:20 Why the Real Growth Is in Mid and Small Caps 13:27 Are Small Caps Too Risky? The Post-COVID Deleveraging 15:08 Price-to-Book vs PE: Valuing Volatile Earnings 16:52 AI: Threat or Opportunity for India? 19:52 Inside the SageOne Portfolio: Specialty Chemicals and Building Materials 22:12 The Textile and Garment Export Theme 23:06 The 20% Earnings Growth Rule: Why No Banks, FMCG or Autos 24:22 Building Your Own Portfolio: How to Evaluate a Business 29:07 Why "Cheap" Doesn't Mean a Good Buy 32:17 The Biggest Investor Traps: Valuation Trap and Falling Knives 35:48 Asset Allocation and Diversification 38:16 The Dotcom Crash: Losing Everything and the Guilt 41:28 Lessons from the Crash: Understand the Business and the Valuation 46:17 When to Trim and Add: The APL Apollo Example 48:07 Why Exit a Stock: The EID Parry Example 49:18 IT Services and AI: Persistent, Coforge and the Growth Hurdle 51:10 Valuing Expensive Winners Like TVS Motor 52:53 JOMO: Why Stay Away from Quick Commerce and New-Age Tech 55:00 Have Traditional Value Frameworks Become Inadequate? 57:22 Reading an Annual Report: Why Cash Flow Matters 59:11 How to Assess Management and Spot Promoter Red Flags 01:03:19 How to Spot a Real Moat 01:04:42 How Much to Allocate to a High-Conviction Stock 01:06:24 When to Exit a Multibagger 01:07:36 Regrets: Bajaj Finance and Holding On Too Long 01:10:21 Temperament: Having the Guts to Ride the Cycle 01:13:06 Samit Vartak's Relationship with Money 01:15:11 Rapid Fire Round Building wealth isn't about shortcuts; it's about learning from people who've actually created it. Wealth by MO brings you deep, meaningful conversations with India's most influential wealth creators — founders, CEOs, fund managers, and domain leaders. Every episode gives you: Real wealth-creation frameworks Business insights from top founders Investment lessons for long-term success Mindset, risk-taking & decision-making wisdom Decades of experience broken into actionable learning Whether you're an investor, professional, or entrepreneur, this channel helps you understand how wealth is built from the people who've done it. 📌 Subscribe for: Wealth-building insights, leadership wisdom, investing journeys, founder stories, market perspective, and long-term planning. #WealthCreation #BusinessLeadership #InvestingInsights #WealthByMO #SageOne #SamitVartak #SmallCaps #MidCaps #FutureOfInvesting #WealthBuilding #ValueInvesting #motilaloswal Subscribe Here ➜ / @wealthbymo Explore Our Other Channels: Markets by Motilal Oswal ➜ / @marketsbymo Trades with Motilal Oswal ➜ / @breakoutwithmo Learn with Motilal Oswal ➜ / @learnwith_mo Partners at Motilal Oswal ➜ / @partnersatmotilaloswal 📲 FOLLOW US ON Instagram ➜ / wealthbymo_official Download the RIISE App: https://moriseapp.onelink.me/VgB3/8s6... #wealthbymotilaloswal #motilaloswal #leadershippodcast #founderstories #businessinsights

  6. Sep 28

    The Best Way To Make an Unbreakable Retirement Plan ft. Sriram Iyer of HDFC Pension

    Sriram Iyer is the Managing Director and CEO of HDFC Pension Fund Management Limited. He has spent his career helping Indians understand and plan for retirement, and describes NPS not as a tax-saving box to tick, but as a long-term wealth creation tool. At HDFC Pension Fund, he works closely on retirement product design, asset allocation frameworks, and investor education across salaried, self-employed and gig-economy segments. In this conversation, he shares his views on why retirement remains an afterthought for most Indians, how NPS is structured to work from birth to age 85, why real estate and gold shouldn't be mistaken for retirement assets, why NPS beats mutual funds on cost and flexibility for this specific goal, and why the real safe withdrawal rate in India is far lower than the West's popular 4% rule. Key topics covered: • Why retirement always gets whatever money is left over and the mindset shift needed • India's ageing population: 12 crore Indians above 60 today, projected to cross 32 crore by 2047 • NPS Vatsalya and how NPS can work as a product from age zero to 85 • How often you should really review your NPS portfolio (hint: not as often as you think) • Busting the myth that a home or gold stash is a retirement plan • NPS vs Mutual Funds: tax dispensation, cost efficiency and the case for illiquidity as a feature • How to choose a pension fund manager and when (not) to switch • Why only 80 lakh Indians are in NPS despite 50 crore being employed • EPF explained: its role, its limits, and the new 2026 contribution-cap guidelines • Annuitization reduced from 40% to 20%: what the NPS reforms mean for you • Why annuities are the only product that can outsource longevity risk • The real safe withdrawal rate in India vs the global 4% rule • The single biggest behavioural mistake that wrecks retirement outcomes • Micro-contributions and how NPS is reaching gig workers • Sriram Iyer's own retirement portfolio and philosophy Chapters 00:00 Introduction / Cold Open 02:05 Why Retirement Is Always an Afterthought 03:35 India's Ageing Population and the Case for Urgency 05:23 Starting from Age Zero: NPS Vatsalya and the YOLO Mindset 06:56 Building a Retirement Corpus: Where NPS Fits 08:20 How Often Should You Really Review Your NPS Portfolio? 12:46 Busting the Real Estate and Gold Retirement Myth 15:00 NPS vs Mutual Funds: What's the Real Edge? 19:05 Choosing (and Changing) Your Pension Fund Manager 22:26 The 80 Lakh Subscriber Problem: How Much Should You Save? 25:03 EPF Explained: Its Role for the Young Salaried Employee 30:09 NPS Reforms: Annuitization Cut from 40% to 20% 33:18 Annuities: The Only Product That Guarantees Lifetime Cash Flow 33:24 Safe Withdrawal Rate: Why India Isn't the US 34:10 The Biggest Retirement Mistake: Starting Too Late 35:10 Micro-Contributions and the Gig Economy Opportunity 36:52 Sriram Iyer's Personal Retirement Playbook 38:41 Rapid Fire Round Building wealth isn't about shortcuts; it's about learning from people who've actually created it. Wealth by MO brings you deep, meaningful conversations with India's most influential wealth creators — founders, CEOs, fund managers, and domain leaders. Every episode gives you: • Real wealth-creation frameworks • Business insights from top founders • Investment lessons for long-term success • Mindset, risk-taking & decision-making wisdom • Decades of experience broken into actionable learning Whether you're an investor, professional, or entrepreneur, this channel helps you understand how wealth is built from the people who've done it. 📌 Subscribe for: Wealth-building insights, leadership wisdom, investing journeys, founder stories, market perspective, and long-term planning. #WealthCreation #BusinessLeadership #InvestingInsights #WealthByMO #HDFCPensionFund #RetirementPlanning #NPS #EPF #FutureOfInvesting #WealthBuilding #PensionFunds #MotilalOswal Subscribe Here ➜ / @wealthbymo Explore Our Other Channels: Markets by Motilal Oswal ➜ / @marketsbymo Trades with Motilal Oswal ➜ / @breakoutwithmo Learn with Motilal Oswal ➜ / @learnwith_mo Partners at Motilal Oswal ➜ / @partnersatmotilaloswal 📲 FOLLOW US ON Instagram ➜ / wealthbymo_official Download the RIISE App:https://moriseapp.onelink.me/VgB3/8s6... #wealthbymotilaloswal #motilaloswal #leadershippodcast #founderstories #businessinsights #investingjourney #SriramIyer #HDFCPensionFund #Investing #PersonalFinance #RetirementPlanning #NPS #FinancialPlanning #EPF #SafeWithdrawalRate #GigEconomy

  7. Sep 21

    India’s ₹250 Billion Snacking Opportunity: How OpenSecret Is Building for the Next Consumer

    In this conversation with Ahana Gautam, Founder and CEO of Open Secret, India's fast-growing "unjunking" snacks brand doing 200+ crores in revenue and backed by Sixth Sense, Matrix Partners and a fresh 50 crores from Desai Brothers Group. We talk about her journey from a small town in Rajasthan to IIT Bombay, Harvard Business School, and a fast-tracked corporate career at P&G and General Mills and how she walked away from all of it with two lakh rupees from her mother and an idea. Ahana openly shares how she built a better-for-you snacking company from scratch in one of India's toughest categories including the real struggles behind the scenes, what it cost her, where the industry gets it wrong, and what finally made Open Secret work. Key topics covered: Why she left a comfortable life in the US to build Open Secret Falling in love with the mission, not just the product Cracking taste parity with maida-and-palm-oil-based snacks Building a workforce that's 50% women, including the shop floor Sizing India's ₹250 billion packaged food opportunity Winning over investors and knowing when to raise capital Lessons from staying CM2-profitable while scaling 100% YoY Honest views on distribution, quick commerce, and what kills most D2C food brands Whether you dream of building a consumer brand or just love a great founder story, this conversation is packed with honest and practical lessons on building something real from scratch. Chapters 00:00 — Coming up 02:34 — Introducing Ahana Gautam & Open Secret 02:53 — Growing Up in Rajasthan to IIT Bombay & Harvard 05:57 — The Foxtar Studios Detour Into Storytelling 08:17 — Leaving a Stable Life: Family & Peer Reactions 11:15 — What Building a Company Taught Her That No Job Could 13:08 — Being a Woman Founder & Building a 50% Women Workforce 17:06 — Sizing India's Healthy Snacking Opportunity 20:06 — The ₹250 Billion Packaged Food Market 23:15 — Is Competition in Better-For-You Snacking a Threat? 25:41 — Breaking Down LTV/CAC in the Food Business 27:29 — Why Palm Oil, Maida & Sugar Dominate Indian Snacks 29:35 — The Real Cost of Clean-Label Ingredients 32:07 — Who Owns India's Snacking Market Today 35:31 — The Biggest Manufacturing Myth in Healthy Snacks 36:56 — Is Unhealthy Snacking a Habit Problem or Access Problem 38:37 — What Genuinely Healthier Snacking Looks Like at Scale 40:02 — Kids' Snacking: Different Ingredients or Just Positioning 42:22 — Maharashtra's FDA Crackdown & What It Means for Brands 44:06 — FSSAI's Ban on "100% Natural" Claims 45:37 — Open Secret's First Product & the Obsession With Taste 47:01 — The First Thing Every Aspiring Food Founder Should Know 48:54 — How Much to Spend on Marketing (And When) 50:08 — Starting From Scratch: The First Steps to Take 51:39 — Bootstrapped vs Raising External Capital 52:28 — What Founders Must Know Before Taking Investor Money 53:49 — Selling Out vs Staying Independent 55:13 — When Should You Actually Take the Leap 56:42 — The Biggest Mistake D2C Brands Keep Making 58:26 — The Financial Metrics Every Founder Must Track 1:00:43 — What She'd Do Differently 1:02:47 — How Much Revenue Should Go Back Into Growth 1:04:02 — The Ideal Channel Mix From Day One 1:05:07 — Realistic Customer Acquisition Costs 1:06:10 — Distribution vs Retention: Where to Focus First 1:07:34 — A D2C "Best Practice" Worth Ignoring 1:08:16 — Advice for Founders Starting Out Today 1:09:00 — Rapid Fire Round Building wealth isn't about shortcuts it's about learning from people who've actually created it. Wealth by MO brings you deep, meaningful conversations with India's most influential wealth creators, founders, CEOs, fund managers, and domain leaders. Every episode gives you: Real wealth-creation frameworks Business insights from top founders Investment lessons for long-term success Mindset, risk-taking & decision-making wisdom Decades of experience broken into actionable learning Whether you're an investor, professional, or entrepreneur, this channel helps you understand how wealth is built from the people who've done it. 📌 Subscribe for: Wealth-building insights, leadership wisdom, investing journeys, founder stories, market perspective, and long-term planning. #WealthCreation #BusinessLeadership #InvestingInsights #WealthByMO #motilaloswal Subscribe Here ➜ /@wealthbymo Explore Our Other Channels: Markets by Motilal Oswal ➜ /@marketsbymo Trades with Motilal Oswal ➜ /@breakoutwithmo Learn with Motilal Oswal ➜ /@learnwith_mo Partners at Motilal Oswal ➜ /@partnersatmotilaloswal 📲 FOLLOW US ON Instagram ➜ /wealthbymo_official Download the RIISE App: https://moriseapp.onelink.me/VgB3/8s6... #wealthbymotilaloswal #motilaloswal #leadershippodcast #founderstories #businessinsights #startupjourney #AhanaGautam #OpenSecret #D2CIndia #WealthByMO #IndianEntrepreneur #HealthySnacking #D2CIndia #StartupIndia #D2CBrand #IndianStartup #WomenFounders #ModernIndianRetail #BusinessPodcast #IndianBusinessman #MoneyTalks #IndiaBusinessPodcast #FounderStory #StartupFounder

  8. Sep 12

    Why Raamdeo Agrawal Is More Bullish on India Than Ever | The Next Decade of Wealth Creation

    Raamdeo Agrawal is the Chairman of Motilal Oswal Financial Services Ltd. He co-founded the firm in 1987 with Motilal Oswal, starting as a sub-broker on the floor of the Bombay Stock Exchange with zero capital, and has spent nearly four decades building it into a diversified financial services conglomerate spanning broking, asset management, private equity, investment banking, wealth management and home finance. He is the architect of the QGLP framework (Quality, Growth, Longevity, Price) and the buy-right-sit-tight investment philosophy that has shaped a generation of Indian investors. Since 1996, he has led the annual Motilal Oswal Wealth Creation Study and authored Corporate Numbers Game and The Art of Wealth Creation. In this conversation, he shares his views on the making of his investing philosophy, why India remains a long-term structural bull market, the difference between price and value, how AI will reshape (but not replace) human judgement, and the lessons from four decades of compounding capital and conviction. ✅ Key topics covered: • How he built his foundation with zero capital and no market background • Reading balance sheets from an odd-lot dealer before research existed in India • The Bharti Airtel story spotting a lakh-crore opportunity in a 5,000-crore stock • Price vs value: Buffett's principle applied to real Indian markets • Why India will be the world's most crowded capital market in a decade • Designing your day for long-term productivity and focus • Building a customer-first culture and the 1987 mission statement • Handing over power to professionals outside the family • Going public — "the biggest wonder of the world" • Will AI make humans redundant, or just more powerful? • Three core principles every new investor should follow • Philanthropy, giving back, and lessons for the next generation ⏱️ Chapters 00:00 Cold Open 01:25 Guest Introduction: Raamdeo Agrawal 03:23 Starting With No Capital, No Background — Where the Self-Belief Came From 04:41 The First Office: Two Bosses, One Peon, One Telephone 05:57 Learning the Market With His Brother's Money 07:19 Reading Balance Sheets From the Odd-Lot Dealer 08:33 Financial Fiction Before Buffett and Munger 11:48 Building a Solid Foundation, Brick by Brick 13:09 Inventing an Indian Playbook From American Capitalism 15:22 The Macro Case for Being an India Bull 16:51 What Will Drive India's Growth for the Next 100 Years 17:54 Staying Optimistic Through Wars, Headlines and Market Noise 20:38 Price Is What You Pay, Value Is What You Get 21:25 The Bharti Airtel Story: From ₹5,000 Crore to a Lakh Crore 27:01 Sizing Bets and the Emotional Discipline of Conviction 28:37 Managing Private Money vs Public Money 29:41 Why Designing Your Day Matters 33:51 The 1987 Mission Statement and a Customer-First Culture 37:01 From Bucket Shop to T+1: Four Decades of Market Transformation 39:02 Staying Relevant Through the AI Disruption 41:26 How the Investing Profession Has Changed in 40 Years 43:37 Will AI Be the Master or the Servant? 44:58 Sharing Power: Professionals Over Bloodline in Family Business 47:53 Going Public: "The First Wonder of the World" 48:44 What He's Teaching and Learning From the Next Generation 49:45 Personally Keeping Up With AI Tools 51:05 Three Books That Shaped an Investing Career 54:31 Three Core Principles for a First-Time Investor 57:48 Philanthropy: Learning How to Give 1:00:05 The Vision for the Next 40 Years Building wealth isn't about shortcuts — it's about learning from people who've actually created it. Wealth by MO brings you deep, meaningful conversations with India's most influential wealth creators — founders, CEOs, fund managers, and domain leaders. Every episode gives you: • Real wealth-creation frameworks • Business insights from top founders • Investment lessons for long-term success • Mindset, risk-taking & decision-making wisdom • Decades of experience broken into actionable learning Whether you're an investor, professional, or entrepreneur, this channel helps you understand how wealth is built from the people who've done it. 📌 Subscribe for: Wealth-building insights, leadership wisdom, investing journeys, founder stories, market perspective, and long-term planning. #WealthCreation #BusinessLeadership #InvestingInsights #WealthByMO #motilaloswal #QGLP #StockMarketIndia #RaamdeoAgrawal #FutureOfInvesting #WealthBuilding #MotilalOswal Subscribe Here ➜ / @wealthbymo Explore Our Other Channels: Markets by Motilal Oswal ➜ / @marketsbymo Trades with Motilal Oswal ➜ / @breakoutwithmo Learn with Motilal Oswal ➜ / @learnwith_mo Partners at Motilal Oswal ➜ / @partnersatmotilaloswal 📲 FOLLOW US ON Instagram ➜ / wealthbymo_official Download the RIISE App: https://moriseapp.onelink.me/VgB3/8s6... #wealthbymotilaloswal #motilaloswal #leadershippodcast #founderstories #businessinsights #investingjourney #RaamdeoAgrawal #MotilalOswal #Investing #PersonalFinance #WealthCreation #FinancialPlanning #StockMarket #BhartiAirtel #ValueInvesting

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About

Wealth by Motilal Oswal is a premium podcast platform that brings together some of the most respected founders, business leaders, and industry experts who have built enduring institutions over time. This is not surface-level storytelling. Each episode goes deeper into how real wealth is created, through disciplined capital allocation, thoughtful risk-taking, long-term thinking, and the ability to execute under uncertainty. The conversations move beyond headlines to uncover the frameworks, decisions, and defining moments that shape successful journeys. At its core, the show is about understanding how experienced operators think. From lessons learned the hard way to mistakes that refined their approach, every discussion offers nuanced insights into the realities of building and sustaining wealth. Whether you are an entrepreneur, investor, or someone looking to better understand business and markets, Wealth by Motilal Oswal offers a front-row seat to conversations with people who have truly been there and done that.  

Information

  • Creator
    Motilal Oswal
  • Years Active
    2026
  • Episodes
    26

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