Ajinkya Kulkarni comes with rich experience of working in lending and Financial services for 6+ years. Before starting Wint Wealth, Ajinkya was Vice President and Head of the Merchant lending business at Mswipe. Through Mswipe merchant lending, he enabled credit access to thousands of merchants who otherwise won't get the credit facilities. In a short span of six months from launching, he built a profitable portfolio of ₹ 25 Cr+. Before Mswipe, he was at CreditVidya, leading its marketplace business which enabled low-interest-rate loans for first-time borrowers. Before working at CreditVidya, in 2014, Ajinkya started CreditPeriod.com- an invoice bill discounting platform.

Here are the topics we had a conversation on-

00:23 - Intro

02:20 - Ajinkya CONNECTING THE DOTS for Wint Wealth.

09:22 - How Gen-Z will have a different approach towards market returns?

11:34 - How covid changed the mindset of looking at returns. 

12:06 - Why not to look at the return amount?

12:46 - What exactly is Wint-Wealth?

14:30 - How are covered bonds different from MBS?

17:51 - Who is the target audience for Wint-Wealth?

22:03 - Ajinkya’s saving strategy with his first 1L rupees?

24:23 - Opinion on the current mindset in the market

28:13 - How did Ajinkya fall in this mindset?

29:32 - Problem with India’s obsession with Passive income

31:18 - His top-2 tips to someone who’s starting up

36:33 - Ajinkya’s predictions for Wint-Wealth and Indian markets.

The following two statements from Ajinkya gives the gist of the value-packed podcast-

“Our job is not to convince people that 10% is great, but it is to build great products for people who feel 10% is great”

“Great entrepreneurs are not great risk-takers, they are great risk mitigators”