On this episode of Paisa Vaisa, CA Isha Jaiswal sits down with Anupam Gupta for a deep dive into the changing rules of money, parenting, and privacy in the digital age. As a new mother and a seasoned CA, Isha shares her controversial take on "Financial Parenting"—explaining why she plans to hire her own toddler for odd jobs rather than handing out a traditional allowance. We discuss the death of the old-school tax regime and the rise of a system that rewards cash flow over traditional saving. From the technicalities of the Annual Information Statement (AIS) to the legal ways you can pay rent to your parents to maximize your HRA, we cover the hacks that your CA likely hasn't told you yet. This is a masterclass for anyone who wants to stop being a passive earner and start being a strategic wealth builder, ensuring that their family is protected from both inflation and corporate overreach.

Key Takeaways

• The 5/50 Success Rule: Sacrificing 5 years of intense grind in your 20s secures 50 years of a "Queen-Sized" life; choose your "hard" early.

• The Variable Pay Trap: HRs often inflate CTCs with variable pay that is hard to earn; always negotiate to convert variable into fixed salary.

• Joint Taxation Proposal: The new shift toward "One Family, One ITR" could allow husbands to use their homemaker wives' exemptions to save massive tax.

• The Privacy Shield: Your boss cannot track your private income through your PAN or AIS portal unless you give them access; your data is safer than you think.

• Employ Your Kids: To teach kids the value of money, hire them for "odd jobs" and pay them, instilling a "work-for-money" mindset instead of "allowance" entitlement.
  
  
  
  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.

In this episode of Paisa Vaisa, Anupam Gupta sits down with Karan Shah, Director of Society Tea, to decode the century-long journey of one of India's most beloved brands. Starting as tea traders in 1924 under the name Hasmukhrai & Co., the family successfully transitioned into the packaged tea market in the late 1980s. Karan discusses how they avoid the "third-generation curse" by maintaining a lean, agile family structure and a relentless focus on quality over complacency. We dive deep into their vertical integration strategy—including building their own state-of-the-art milk factory—to ensure their "One Minute Tea" remains true to the authentic Indian palate. Whether you are a business enthusiast or a chai lover, this conversation offers a masterclass in brand longevity and fighting off multinational competition

TAKEAWAYS-

• Legacy Meets Agility: Society Tea blends a 100-year heritage with agile, family-led leadership to outperform global multinational competition.

• Gut-Driven Brand Identity: Their iconic blue packaging was a "gut feel" decision that successfully defied negative market research and surveys.

• Control Through Integration: The company built a dedicated milk factory to ensure their "One Minute Tea" premix remains true to authentic chai.

• Convenience Without Compromise: Their innovation focuses on delivering speed without sacrificing quality by using real ingredients like hand-crushed cardamom.

• The Sensory Comeback: Society is expanding physical "Tea Terminals" to revive the traditional, sensory ceremony of chai for modern consumers.
  
  
  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.

Are you tired of watching your Fixed Deposit returns get eaten away by high taxes and inflation? In this deep-dive episode of Paisa Vaisa, Anupam Gupta sits down with Sailesh Jain, Fund Manager at Tata Asset Management, to unlock the mechanics of Arbitrage Funds. Many investors overlook this category, yet it remains one of the most efficient ways to park your spare cash while enjoying the tax benefits of equity. Sailesh Jain explains the concept of "riskless profit" through a simple mango market analogy, showing how buying in the cash market and simultaneously selling in the futures market locks in a predictable spread. Unlike traditional equity funds, arbitrage funds thrive on market volatility. When the market swings, the price mismatches between cash and futures expand, allowing seasoned fund managers like Sailesh Jain to "harvest" higher returns for their investors.

We explore why these funds have become a staple for HNIs and retail investors alike, especially with the 2026 tax regulations offering a significant edge through 12.5% Long-Term Capital Gains (LTCG). Sailesh Jain provides a rare look into the "special situations" that drive Tata’s consistent outperformance, including dividend arbitrage and corporate actions. Whether you are managing corporate treasury or just looking for a better alternative to your savings account, this episode provides a clear roadmap. We also look ahead to the 2026 Budget and the broader Indian economic outlook, with Sailesh Jain projecting why India remains a superior market for both debt and equity investors despite global geopolitical tensions. By the end of this conversation, you will understand how to build a "linear" and steady portfolio that lets you sleep peacefully even during market turbulence.

Key Take away

• Understanding Arbitrage Mechanics: Sailesh Jain explains how to generate profit by exploiting price gaps between cash and future markets.

• Volatility as a Tool: Discover why market swings during major events actually increase the earning potential of arbitrage strategies.

• Taxation Advantage in 2026: A breakdown of how the 12.5% LTCG rate makes arbitrage funds more profitable than FDs on a post-tax basis.

• Risk Management and Safety: Insights into how Tata AMC protects capital during extreme market crises like COVID and GFC.

• Economic Outlook for 2026: Sailesh Jain shares his projections for 15% earnings growth and India's position in the global economy.
  
  
  
  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.