The face of lending has changed forever. In this episode, we unpack the new era of digital lending and its impact on the modern consumer. Our special guest, Sachin S from CRIF, explains how credit bureaus work, the rise of quick loans and EMIs, and the importance of monitoring your credit score. Learn how to build a healthy score from scratch, understand what lenders look for, and discover essential strategies to protect yourself from online fraud. Get your questions answered on personal loans, credit cards, and how to master your personal finance journey.

✔ Digital Lending: The shift to a quick, tech-driven lending ecosystem, especially for Gen Z.
✔ Building Credit: How to responsibly start your credit score journey with small loans and credit cards. ✔ Role of Bureaus: Credit bureaus like CRIF get data from lenders to build your report.
✔ Fraud Vigilance: Protect your data and check your free RBI-mandated credit report for fraud.
✔ Your Credit Report: Understand what's on your report and how to dispute errors.

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 eye-opening episode of the Paisa Vaisa podcast, host Anupam Gupta sits down with the legendary Roopa Kudva, former MD of Crisil and author of Leadership Beyond the Playbook. Roopa shares her extraordinary journey from growing up in Assam and Meghalaya with almost no exposure to the business world to becoming a veteran business leader and a formidable force in Indian finance. She provides a rare, honest look at what it was like to be a CEO during the 2008 Global Financial Crisis and how she navigated its challenges. This conversation is packed with invaluable insights for everyone, from young professionals considering the "100-hour work week" to seasoned founders seeking to build long-term value. Roopa also discusses her transition into impact investing and reveals the most common blind spots she sees in startups.

• From a small town to the boardroom: Roopa Kudva's journey to becoming a finance pioneer.

• The woman who built Crisil: How she led the company to grow its revenue and market cap by multiples.

• Surviving the GFC: Roopa reveals the crucial lessons she learned about trust and prudence during the 2008 financial crisis.

• From CEO to startup investor: Why she made the bold leap into tech and impact investing.

• Startup advice from a veteran: Roopa shares the biggest blind spots founders and investors need to watch for.

• Work-life integration, not balance: Her powerful take on building a career that gives you meaning.

• Inside the boardroom: The truth about what makes an effective board and independent director.

• Her leadership playbook: An introduction to her book and its practical guide to crafting your own career path.

See omnystudio.com/listener for privacy information.

On this episode of Paisa Vaisa, host Anupam Gupta sits down with Pankaj Parwanda, the co-founder of goStops Hostels, to explore the booming youth travel industry in India. Pankaj shares the fascinating story of how a backpacking trip in Europe led to the creation of goStops, a company that has become a leader in the youth travel and hostel market. We dive into the unique asset-light business model, disruptive strategies, and the surprising insights that have positioned goStops as a ₹200 Cr. business. This conversation is a deep dive into entrepreneurship, the future of hospitality, and the mindset of the modern Indian traveler.

✔Gen Z prefers hostels over hotels.

✔The business runs on a lean 0.4:1 manning ratio.

✔It offers hotel owners an impressive 8% ROI.

✔The company grew 25x during the pandemic.

✔Indian women are comfortable with mixed-gender dorms.

✔The brand operates with an asset-light model.

✔The business is built on a sharing economy concept.

✔They are targeting a ₹1,000 Cr. valuation.




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 & moreWatch 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.