Konversation with Kushal

In this episode of Kwk, Kushal Lodha interviews Aviral Bhatnagar, a prominent venture capitalist in India, known for his innovative approach to supporting early-stage startups. He is the founder of AJVC (A Junior VC), a pre-seed fund aimed at empowering entrepreneurs, particularly in the enterprise software and artificial intelligence sectors. With a background in Engineering Physics from IIT Bombay and an MBA from IIM Ahmedabad, Aviral has a deep appreciation for data-driven analysis and embracing uncertainty. Before founding AJVC, Aviral was a lead investor at Venture Highway, his journey includes roles at various startups during his college years and consulting at a top-tier firm after graduating from IIM Ahmedabad. Aviral's passion for startups and his commitment to simplifying the funding process for early-stage founders have made AJVC one of India's most approachable pre-seed funds. Aviral's unique perspective and dedication to supporting entrepreneurs have earned him a strong reputation in the venture capital community. He continues to build a community around startups, sharing data-driven opinions and insights through his newsletter, "Life of A Junior VC." Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚 00:00 Introduction 1:43 Meet Aviral Bhatnagar 2:02 Current edtech sector situation and its challenges 7:28 Edtech sector barriers to entry and scaling 9:28 Failures of Front Row and Doubtnut 12:01 Starting school: Is it difficult? 13:46 Advice on starting an edtech company 15:28 Byju's What went wrong? 17:33 Debt-fueled acquisition strategy explained 19:00 Byju’s accounting issues 20:00 Top players in the edtech industry 21:01 Duolingo’s business model breakdown 25:24 Fintech payment giants: Razorpay 28:03 Razorpay’s successful model 32:44 Future billion-dollar companies with small teams? 33:16 Zerodha: Top fintech company analysis 38:56 Groww’s customer acquisition strategy 40:31 What’s happening with Cred? 42:45 Cred’s revenue strategy and NPAs 44:48 Paying rent through Cred 46:21 Can Cred be profitable soon? 47:01 SaaS sector overview 50:08 Zoho’s successful business model 55:41 Why SaaS businesses have high profits 56:01 What is the SaaS Index? 56:42 Rule of 40 explained 57:28 Metrics for investing in SaaS companies 1:00:36 Edtech and fintech investment metrics 1:07:41 DAU to MAU ratio importance 1:14:01 Instability of quick commerce model 1:18:24 Quick commerce: Advantages in India and threats 1:24:12 Zepto’s revenue growth strategy 1:27:23 Replicating quick commerce business: Challenges 1:28:03 Aviral’s target sector insights 1:33:48 Ending statement 1:34:20 Outro

In this episode of Kwk, Kushal Lodha interviews RN Bhaskar, a renowned Indian journalist, author, and educator. He is known for his insightful analysis and commentary on economic and business issues. Bhaskar has authored several books, including "Game India: Seven Strategic Advantages That Can Steer India to Wealth" and "Gautam Adani: Reimagining Business in India and the World." In this video, they discuss India's economic landscape, exploring strategies for improvement and examining its trade relationships with other nations. He also teaches at various management institutes in India and overseas, and serves on the Board of Studies at several educational institutions. Bhaskar's work is widely respected for its depth and clarity, making complex economic concepts accessible to a broader audience. Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚 Timestamps: 00:00 - Introduction 01:55 - India’s vs Other Countries 06:10 - Global Wealth 11:12 - China’s Development 16:11 - Fees in India vs China 18:55 - India’s Weakness 22:26 - Is There Water Scarcity in India? 28:30 - India Needs Capital 31:26 - China’s Import Strategy 35:00 - China’s Export Strategy 37:11 - Singapore’s Telecom Technologies 38:45 - Where is India Going Wrong? 39:54 - How to Make India Wealthy? 42:57 - Reforms Needed in Law & Order 51:25 - Laws in Developed Countries 52:35 - Capital Destruction 55:50 - Growth of ASEAN 57:25 - Tourism in Malaysia 59:19 - Growth of Vietnam 01:01:15 - GDP & PPP 01:04:03 - Who are India’s Friends? 01:06:20 - India’s Export Opportunities 01:11:48 - Importance of Education & Governance

In this episode of Kwk, Kushal Lodha interviews Saurabh Mukherjea, the Founder and Chief Investment Officer of Marcellus Investment Managers Private Limited and Nandita, a great author working at Marcellus Investment Managers. With a distinguished academic background from the London School of Economics, Saurabh has over two decades of experience in investment management. Before founding Marcellus, he was the CEO of Ambit Capital and co-founded Clear Capital in London. Saurabh is also a Founding Director of the Association of Portfolio Managers in India and actively participates in SEBI working groups to reform portfolio management regulations. His expertise and strategic insights have made Marcellus a leading name in the Indian investment management industry. The event held at Quorum was absolutely fantastic! The venue provided a vibrant and engaging atmosphere, making the experience truly memorable. Attendees enjoyed every moment. An unforgettable event that left everyone impressed and enlightened! 🎉✨ Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

In this episode of Kwk, Kushal Lodha interviews Pratik Oswal, the Chief of Passive Business at Motilal Oswal Mutual Fund. With a wealth of experience in investment banking, private equity, and hedge funds, Pratik has been a driving force in the growth of passive funds in India. He emphasizes simplicity in investing, advocating for a straightforward approach to ETFs and index funds. Pratik's insights and strategies have made him a respected figure in the financial community, helping investors navigate the market with confidence. Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

In this episode of Kwk, Kushal Lodha interviews Abhishek Kar, a distinguished figure in India's financial education landscape. As a seasoned investor, stock trader, and influential educator, he has made a significant impact by training over 15,000 students through his diverse initiatives. Known for his pragmatic approach and engaging teaching style, Abhishek simplifies the complexities of the stock market, making it accessible to aspiring investors. A four-time TEDx speaker, Abhishek's insights resonate with audiences, inspiring many to take control of their financial futures. He is also the author of the Amazon bestseller "Stocks and Life," a book that combines his extensive market knowledge with practical life lessons, guiding readers towards informed investment decisions. Beyond his professional achievements, Abhishek is passionate about financial literacy, advocating for better financial education to empower individuals across different demographics. His work continues to inspire and educate, driving a new generation of informed and confident investors. Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

In this episode of Kwk, Kushal Lodha interviews Bhavik Bhandari, the Chief Sales and Marketing Officer (CSMO) at Ashwin Sheth Group. With over 20 years of experience in sales, marketing, CRM, operations, business development, and strategy, Bhavik has made a significant impact in the real estate industry. He has led award-winning marketing campaigns and strategic customer initiatives, contributing to the growth and success of esteemed real estate organizations. Join us as we delve into Bhavik's journey, his expertise in brand management, and his passion for transforming spaces through innovative design and customer-centric approaches. Learn from his insights and be inspired by his dedication to excellence in the real estate sector. Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

In this episode of Kwk, Kushal Lodha interviews Kavya Khurana, a graduate of The Lady Shri Ram College For Women. Kavya is not just a pro scuba diver and dedicated sportswoman, but also has a stellar background in national tournaments for swimming and rifle shooting, as well as former state championships in chess and lawn tennis. 🏊‍♀️🎯🏆 Hailing from a family of professors, Kavya's life has always been grounded in assiduity and discipline. Her professional journey spans consulting, investing, and now operations, showcasing her ability to seamlessly transition across diverse fields and is currently a senior manager in the director's office at Masters' Union. 📈💼 With a unique 360-degree perspective on business and an ESFP-A personality trait, Kavya excels in interpersonal skills and thrives as a change manager. Discover how her athletic discipline and academic rigor have shaped her into a versatile professional with a comprehensive approach to examining businesses. 🌟🔍 Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

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In this episode of Kwk, Kushal Lodha interviews Raamdeo Agrawal, a distinguished Indian businessman and stock market investor, best known as the co-founder of Motilal Oswal Financial Services, established in 19871. As the Chairman of the Motilal Oswal Group, Raamdeo has been instrumental in shaping the company's investment philosophy, including the renowned "Buy Right, Sit Tight" approach. His expertise and insights have made Motilal Oswal a leading name in the financial services industry, offering a wide range of products and services. Raamdeo is also the author of several influential books on investing and wealth creation. Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

In this episode of Kwk, Kushal Lodha interviews Radhika Gupta, who is a leading figure in the Indian financial sector, currently serving as the Managing Director and CEO of Edelweiss Mutual Fund. With a rich background that includes stints at Microsoft, McKinsey & Company, and AQR Capital Management, Radhika co-founded Forefront Capital Management in Mumbai, which was later acquired by Edelweiss Financial Services Limited. Known for her strategic leadership and insightful contributions to investment and asset management, Radhika is dedicated to helping investors achieve their financial goals through effective asset allocation and timely rebalancing of portfolios. Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

In this episode of Kwk, Kushal Lodha interviews Gajendra Kothari,a prominent financial expert, the Managing Director and CEO of Etica Wealth Private Limited, he has over 15 years of experience in both Indian and international capital markets. A Chartered Financial Analyst (CFA) and a Chartered Alternative Investment Analyst (CAIA), Gajendra is dedicated to helping individuals achieve financial freedom by making their money work hard for them. He is also a passionate advocate for financial literacy and long-term investing. In this podcast, he shares his journey inside out and delves into the intricacies of mutual funds, index funds, and systematic withdrawal plans. Gain valuable insights as he breaks down complex financial concepts into easily digestible information. Whether you're a seasoned investor or just starting out, this video is packed with tips and strategies to help you make informed decisions and maximize your investments. Don't miss out on this opportunity to elevate your financial knowledge! 📈📊 Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

In this episode of Kwk, Kushal Lodha interviews Kanan Bahl, a Chartered Accountant (CA) who has carved a unique niche in the world of personal finance. After successfully clearing the CA exams on his first attempt, Kanan gained valuable experience through internships at KPMG and PwC. However, his true passion lies in helping individuals make informed financial decisions. They discuss Kanan's corporate journey and how he faced toxic work culture and a lot more. In mid-2021, he took a leap, leaving his corporate job to delve deeper into the intricacies of personal finance—whether it’s navigating equity markets, understanding debt instruments, or making real estate choices. Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

In this video, host Kushal Lodha interviews Anindya Longvah, a national-level badminton player, has a story that transcends sports. Balancing a thriving sports career with academic ambitions, he embarked on a remarkable journey. Anindya pursued his MBA at the prestigious Indian Institute of Management Calcutta (IIM C). Whether he’s sharing insights on the CAT (Common Admission Test) process, discussing interview tips, or reflecting on his time at IIM C, Anindya’s content resonates with aspiring students and professionals alike. Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

Dr. Rakshita Singh, a remarkable individual who has made a significant impact in the field of education and inspiration. 🌟 Dr. Rakshita Singh is an Intern Doctor working in a government hospital. She’s not only dedicated to her medical profession but also passionate about helping aspiring doctors achieve their dreams. Her journey extends beyond the hospital walls—she’s a beacon of motivation for many. Dr. Rakshita Singh shares valuable insights and guidance for NEET-UG aspirants on her YouTube channel. Her videos cover topics related to biology, biotechnology, and more.

Kunal and Aashi, corporate warriors, lift the veil on toxic work culture. They expose giants like EY (Ernst & Young) for treating employees as mere laborers. But the real heartbreak lies in Anna’s story—a brilliant 26-year-old Chartered Accountant. Her six-year struggle to earn her CA degree led her to EY in Pune. Expecting prestige and reward, she found despair instead. Anna, once a school and college topper, faced a relentless grind. Toxicity seeped into her bones—the pressure, the skipped meals, the lost personal time. EY’s culture broke her spirit. Her health suffered, and success lost its shine. Anna’s tragedy echoes a universal truth: work environments matter. Productivity shouldn’t cost well-being. Anna’s memory urges change. Organizations must value mental health, respect boundaries, and treat employees with dignity. Let’s honor Anna by reshaping workplaces—where success doesn’t come at the cost of lives. 🕊️

In today’s episode, we’re diving deep into the Instagram universe with three of India’s most influential content creators. They spill the beans on crafting viral content and cracking the algorithm. So fasten your seatbelts for a roller coaster ride of laughter and insights. Aryan Kataria is an emerging Instagram content creator from Mumbai. With a following of 267k, he crafts funny and relatable content that resonates with everyone. His recent series, where he visits strangers’ homes for Ganpati Darshan, captures the spirit of Ganesh Chaturthi in heartwarming interactions. Aapka Jags, also known as Jagjyot Singh, is an Indian Instagram influencer and content creator. He specializes in making funny spoofs, parodies, relatable content, and observational comedy. He is famous for doing his hilarious parodies and making the internet go crazy. Prannay Joshi, an Indian Instagram influencer, is known for creating viral reels. His unique content often features classic Indian ad jingles, leaving viewers both entertained and surprised. He is famous for his pranks and unique challenges on his reels. Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content!

She started out as a Chartered Accountant, passing her exams in 2012. She then worked in the corporate world for 3.5 years. She then pivoted to YouTube & Instagram to unleash her creative side. She now has a whopping 5 Million+ subscribers on YouTube & over 1 Million following on Instagram. She is none other than Mrs. Aleena Rais, a renowned personality creating content around English speaking & communication skills. In the latest episode of Konversation with Kushal, I had a candid conversation with her about her personal life, her CA journey, her channel's growth story & ultimately how one can master their communication skills. This podcast is the perfect opportunity for you to take the first step to change.

He has a personal net worth exceeding ₹1,000 Crores. By age 36, he took two companies public, amassing a combined market cap of around ₹4,000 Crores. One of his companies recently reported ₹400 Crores in revenue, with ₹63 Crores as PAT. He is none other than Mr. Umesh Sahay, the Managing director of two public companies- EFC Limited & TCC Concept Limited. In the latest episode of Konversation with Kushal, we delved into his entrepreneurial journey and gathered invaluable insights for aspiring founders. In an era where loss-making startups achieve record valuations, it's inspiring to see someone who has built profitable companies from the ground up. If you're a founder or aspiring entrepreneur, this podcast is a must-watch.

He declined a ₹100 Crores Acquisition offer. He then left a ₹6.5 Crore job at the age of 22 to build his own bootstrapped startup. He even declined a package of over ₹20 Crore from BYJU's. He has now taught 9 million+ students through his educational ventures. He is none other than Mr. Aman Dhattarwal, the founder of Apni Kaksha & Apna College, who is one of the biggest faces in the realm of education. In the latest episode of Konversation with Kushal, we spoke on his views regarding the NEET Scam, problems with the education system, Government vs Private College and everything it takes to make it big in your career. His noble actions enabling quality education to millions of students for free is truly inspirational. If you are looking to make it big in life, be it exams or career, this is a must watch podcast for you.

He has over ₹22 Crores in his mutual funds portfolio. Yet, he almost had 0 balance in his bank in 2013, despite clearing CA two years back. Today, he is one of the biggest names in the CA teaching community. He has now taught over 1 Million students across India. He is none other than Mr. Neeraj Arora, the founder of Edu91 apart from being a seasoned teacher, a finance expert, an author and so much more. In the latest episode of Konversation with Kushal, we discussed all things money, especially regarding investing, loans, credit cards, retirement planning and more. He was kind enough to share some of his best learnings across his personal finance journey. If you're looking to grow your wealth, this podcast is a must watch. Don't forget to like, subscribe, and hit the bell icon for more insightful content on finance and investing!