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S1 E01 | 20/05/21
Divya Tusnial Show | Season 1 | Episode 1
with Naveen Tahilyani | MD & CEO | Tata AIA
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Life Insurance Should Be The First Tick On Your Financial Plan

Divya Tusnial Show launched its first season today on ET Now with its first guest Naveen Tahliyani, MD & CEO of Tata AIA. It is a financial talk show where industry-first leaders from BFSI, Health, F&B, Jewellery, and Education will be sharing their outlook  

on wealth planning. Divya Tusnial, host for the show welcomed her mentor Naveen with a lot of gratitude and excitement. Divya Tusnial, a Financial Planner was delighted to begin her show’s journey with discussion on the topic closest to her heart, Life Insurance. Divya Tusnial has been with the Life Insurance industry for over a decade. 

The first invitee, Naveen Tahilyani  is a veteran from the Life Insurance industry. He has been with the industry from the 2000s. Naveen has seen the growth and changes happening within the insurance world. He shared his motivating thoughts on the importance of life insurance in India on the show. Naveen emphasised on why you should consider buying Life Insurance as a part of the financial plan. He discussed products for various age groups. Naveen spoke about the campaign driven by the overall life insurance industry in India. The campaign is named "Sabse Pehle Life Insurance". Various advertisements for growing awareness have been released on online and offline mediums. The discussion between Naveen and Divya was thought provoking and inspiring. Naveen also shared very important data that is where the life insurance industry should focus. The protection gap in India currently stands at 83% that is a gap of almost 16 trillion US$. Together the industry with a significant campaign and awareness can lower this gap. India has a population of 1.38 billion but according to statista reports the life insurance penetration stands at around 3%*. 

Divya seeks answers for questions commonly asked by the people for life insurance products on the show. Naveen talked through the trigger points that dominate life insurance purchase patterns in India. He informed that life insurance is still bought if they see a death within family or friends, once responsibilities grow post marriage for wife, children and parents or pre-retirees who want to enjoy their lives post retirement. 

Naveen had a profound conversation with Divya about how Tata AIA managed during the Covid-19 crises and if coronavirus has been a driving force for purchase behaviour change in the Life Insurance industry. Naveen motivated how people can choose life adviser as a career path by stating Divya’s example. He also brought up an important point on how people should gain more knowledge by speaking to their agents, advisers or friends who they trust for a better financial portfolio. 

Life Insurance is a very important product to safeguard from exigencies of life. An insurance plan with adequate cover can protect families and businesses.  

Learn more about the importance of life insurance anytime on Divya Tusnial Show YouTube Page. Catch the next episode of Divya Tusnial Show in discussion with Anshul Arzare, ED & CBO, Yes Securities on ET Now on 30th April at 5.30 PM. Follow Diva Tusnial Show Facebook Page for more financial planning, discussions and next-episode updates. Subscribe to Divya Tusnial Show blog to learn more. 

Divya Tusnial Show | Season 1 | Episode 2
with Anshul Arzare | ED & CBO | Yes Securities
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Investments In Life Should Begin Early 

Anshul Arzare stated on the show “There is nothing like I can invest only when I have surplus”. 

Investment begins when you have your future in sight. You should  

start with small and invest in diverse portfolios. Discipline is the key to better financial planning. A continuous process can build a defined method of saving. You can gradually grow their financial portfolios as income increases over time. 

A customer should invest in insurance at an early age as premiums are less and benefits are large. Then with growth in wealth you can invest on a month to month basis on SIP, equity, mutual fund, RD, stocks and ETFs. But the most important thing is to continue with your premium and investment payments. You should never break the process. 

Earlier in the 80s and 90s more traditional forms of investments were followed. Economy was not opened up. Income was less. Investable surplus was limited. But income has grown in the last 20 years. GDP value has gone up. Avenue for investments have opened up. Huge money is available with retail investors. The biggest difference has been the way risk is perceived now. New generations are more risk averse. They are more confident that risks can be adjusted with planning and a diverse portfolio. Awareness for wealth management has grown multifold in the last 20 years. Plus technology has brought a humongous change in the way one purchases and does their research for investments. Data is available on your fingertips. Advices are available in a couple of clicks. You can purchase on the go. Technology is now, therefore, considered an investment for better service to customers by financial institutions. 

 

A good adviser is also a must for your financial planning. Be it short term or long term you need a better plan. A great financial adviser can help you plan better by measuring your risk appetite and your assets. As when you wish to buy a policy a comparison of products is very important. When you invest in a stock, a sound research about the company, the sector, how it is performing, how well their profit sheets and how well are they placed in the market is utmost important. With startups going public there has been a movement towards purchasing startup stocks. But the most important criteria is still to assess the stock, if the business is correct, if the management is sound, if the P&L statements are up to date and if the business is making money. Here a good adviser and a great research team plays a vital role. 

For people who already have wealth their focus should be first on wealth protection as discussed by Anshul. Expectation from the portfolio shouldn’t be sky high to avoid risks but should focus on steady growth and protection. A conservative approach plays an important role at this position.

Divya Tusnial Show | Season 1 | Episode 3
with Dr. Suborno Bose | Founder & CEO | IIHM
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Entrepreneurs Have A Great Potential For Financial Growth & Success In Hospitality Business

“Life is a journey. You get on a train and it is never-ending with no destination” as beautifully quoted by Dr. Suborno Bose on Divya Tusnial Show.  

Hospitality is one such journey where you live for the Moment of truth. It is a passionate voyage where you meet a new person and a challenge every single day. Hence, the moment of truth. Many see hospitality as an apprehensive career. But as shared by Dr. Suborno Ghosh, it might have been a 4th career choice 25 years back but today millennials are interested in varied career opportunities. They are opening restaurants, pubs, and cafes. They are working in various industries such as aviation, cruise line, malls, banks, hospitals, and hotels. India is and will be witnessing a startup revolution in the next 5o years. With technological advancements there will be new and breakthrough ways in which the hospitality businesses will grow. There are food tech startups and cloud kitchens spread across India. 

IIHM post pandemic has been helping their students monetarily and as mentors to establish businesses. Dr. Suborno advises every new entrepreneur to plan their finances well. Venturing into any new business will always have its challenges and downsides. But if the planning is  meticulously thought through the idea can be a huge success. He always guides students to invest more in partnership models. New age hotels are working as joint ventures in asset like models with big brands such as Marriott, Taj, Oberoi etc., for better operating profit.

As a student with IIHM the scope of growth in the hospitality industry is enormous. IIHM also conducts the Young Chef Olympiad where students get to meet their peers from 49 other countries. It is a magnificent opportunity for students to grow their leadership and networking skills. It helps them land various opportunities across the globe. 

Hospitality industry has an immense potential. A good financial plan can help one grow big in this industry. If one can plan their portfolio of wealth by investing in different baskets than only in one they can write success stories similar to Dr. Suborno Bose. 

Divya Tusnial Show | Season 1 | Episode 4
with Harish Bhat | Brand Custodian | Tata Sons
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Power of Compounding and Timely Investments

Life is all about experiences and giving back as shared by Mr. Harish Bhat, Brand Custodian, Tata Sons.  

Harish Bhat has published many novels. A recent one shares stories from the Tata Group called #TataStories: 40 Timeless Tales to Inspire You. He began his conversation with Divya Tusnial, sharing ideas on how he planned his book. Then, he beautifully sighted a comparison between selection of 40 right stories among 1000 for the book to selection of the appropriate financial instrument from many in the market. He said you have to be very careful and choosy when you select your wealth plan. He informed Divya that whenever we invest we are investing our hard earned money so stay curious. Curiosity to learn more with an open mind can help us find the right financial plan.

Harish first shared why he believes in the power of compounding, long term financial deliverables. He said the power of compounding can really make a difference to your investment strategies with three important parameters: a trustworthy investment destination, your risk appetite, and your investment horizons based on your goal sheets. Though Harish believes most in the power of compounding he also believes in a diversified portfolio. Harish has his share of wealth in direct equity, mutual fund, real estate, retirement funds and insurance. 

As the conversation deepend, Divya asked more about his wealth plans. Harish informed Divya that among all investments he sees life insurance as the most important investment because unless you cannot seize opportunities, you cannot mitigate uncertainties. Divya also asked Harish if he has taken any wrong financial decisions in life. Harish said indeed he has made many mistakes. Sighting examples of his loss, he voiced that you should always understand the fundamentals of a company before you invest in the market. 

Harish concluded with three tips from career, investment, and personal front. He shared that it takes time to identify your real interest with regards to your career. You might join a company after your MBA but take risks to identify if that is where you want to work or if you have a different aim in life. On the investment front he informed Divya, investments should start early with the first paycheck. Lastly, on a personal note, he shared, you have to build credibility and trust with your career. People should identify you for your honesty and hardwork.

Divya Tusnial Show | Season 1 | Episode 5
with Mr. Rajiv Sabharwal | MD & CEO | Tata Capital
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A well planned Loan is Important 

Rajiv Sabharwal shared his insight on financial planning. He believes that if we have our goals in sight, with hardwork and commitment we can maintain our financial health. This had been his key takeaway from his long experience with the financial industry. The most important thing to achieve your goal is to believe in yourself.   

Rajiv then shared his input on how the pandemic situation has affected financial planning for individuals and SMEs as Divya questioned how individuals or SMEs plan their finances when incomes were stalled or affected by the pandemic. Rajiv informed that as we say in marketing there are different segments of customers. There are people whose salaries continued through the pandemic, their incurred expenses went down so their savings went up and to avoid uncertainties in life these set of people pre-paid their loans. Then there were other sets of customers whose income was actually affected by covid. These customers then relied on their savings to help with the situation. But the good part was that the Indian economy showed the momentum to bounce back and people who were affected by this situation got their income revived. There were many industries that were adversely affected like Hospitality, travel; they have seen an extravagant bounce back in the last 6 months. So different segments were affected variedly. RBI got many amendments so that many SMEs and other affected customers could restructure their loans and get back to stronger positions. 

Rajiv also shared his input on Divya’s question on how we can manage well when our lives are under risks of climate change, geo politics issues, infections etc,. He said there are many types of risks, related to health and life. But what is important is how you should prepare yourself to manage those risks. He shared that to be financially secured we have to build our savings kitty. We need to have enough liquid savings based on family size and individual requirements. 

Divya discussed that people have different plans and questioned how those financial products can complement each other. Rajiv informed that there are different segments of people. There are individuals who have more money and they take loans to augment their lifestyles or save for different situations. There are people who don’t have enough savings, they take loans for cars or homes, they should plan to take insurance along with the loan. They should time their insurance in the same period as their loans. Divya then shared there are people who have money and they still want to take loans as rates are down. On this point Rajiv said everybody chooses the way they want to plan their finances. If they believe money can bring better returns than self-financing, that is their perspective but the most important thing is to understand their positioning and then plan. Rajiv shared that whenever you take a loan, pay it on time to maintain a better credit score and plan your finances well to protect it. When you take a loan ascertain how much loan you can take and understand your financial stability. Another important point is to know from whom you are taking your loan. Your service provider should be always accessible, it should be a brand you can trust. Third most important thing is how you can protect your loan. Fourth most important point is if you have surplus to pay your loan you should understand there is no penalty in pre-payment for that loan and hence, it can be a good way to manage an exit loan. Divya concluded that every individual should therefore, understand the quantum of loan to be taken and from where.

Rajiv spoke about his team and Tata group on how they are key to help and pass through various challenges that they face as a company. He said uncertainties are here to stay but what we can achieve together can make a difference. He also credited RBI for its proactiveness with various policies to manage situations due to external crises. Rajiv highly spoke about youngsters in their knowledge to better plan their finances. He concluded you should ensure you are protected for health and life and have the best financial portfolio.

Divya Tusnial Show | Season 1 | Episode 6
with Parveen Chander Kumar | SVP | Sales and Marketing, IHCL
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Have Big Futuristic Financial Goals

“Think of the End First”, a paraphrase of the original quote by Stephen Convey, is what Parveen Chandra Kumar claims is his favorite quote. His tastes also match his habits as one would learn from this new episode on Financial Planning. The Senior Vice President of Sales and Marketing in the Indian Hotel Companies Ltd. has shared his incredible insight on the intricacies of Financial Planning and how to go about it. His vision, like in his profession, is detailed oriented. 

Mr. Parveen talked about his exciting journey with the Taj Group, where he has been associated with almost every central hotel under this brand. He joined the Taj Group right after he completed his college education and hasn’t looked back since. His inside scoop on the hotel industry’s struggle during the Pandemic is sure to fascinate many. According to him, the pandemic has changed the habits of consumers to an exemplary level. Consumer behavior has deviated from caution to a mood for exploration. As people continue to travel, they are pushed towards further spending, and hence their behavior is molded toward the benefit of the industry. Indians have begun to travel domestically, on a large scale, which has been pivotal in the revival of the business.

Mr. Parveen recollects the importance of proper Financial Management to keep businesses afloat. As hotels have fixed costs, along with variable expenses, they have been quite susceptible to the rapid decline of finances during the pandemic. However, the Taj Group has been able excel due to excellent planning. They learned how to manage with less, and prioritized the preservation of cash. Hence, they have not only been able to survive, but now they thrive. Parveen spoke about how the financial management of a hotel is similar to running one’s home.   

When asked about the secrets of personal financial management, Parveen had many pennies of wisdom to share with us. His mantra of successfully planning your finances is quite simple; be consistent in your saving/spending graph, manage your portfolio, and have a long-term vision. Truly, one need only follow such simple tactics to be better at financial planning. When asked about his views on the new-age innovations in digital like crypto, he expressed his enthusiasm; along with a few words of caution because the market of digital currencies is a volatile one. One with high rewards, with high risks.
Moving away from the seriousness of the conversation, Parveen also shared the fun side of his life and personality. He shared with us the love he possesses for traveling, no matter how much he has to plan for it, that merely works to his benefit as Parveen loves to plan as much as he loves to execute those said plans. He is a foodie at heart and loves to experience different cuisines during his travel.  

He has also made a lot of mistakes during his journey. He wasn’t shy about sharing them as those mistakes helped him grow into the man he is today. The lessons he learned through those mistakes remain with him still. When asked about tidbits of wisdom that he would like to share, Parveen had fascinating advice to bestow upon us. He insisted on the fact that there was no quick and easy way to make money. Everything worth building requires time to nurture. It’s just as vital to spread out the investments one decides to make. Low return low risks deals are underrated. It ensures that one never takes an acute loss in their investment.  

The enlightening conversation came to an end with Parveen partaking in his dream to dip his toes in the world of Healthcare. His goal after retirement is better the state of healthcare in rural areas, and he is hard at work to see that dream realized. Watch this insightful episode of Divya Tusnial Show with Parveen Kumar Chander on Divya Tusnial Show YouTube page. 

Divya Tusnial Show | Season 1 | Episode 7
with Harshad Patil Executive | VP and CIO | TATA AIA & Rahul Singh | CIO Equities | TATA MUTUAL FUND
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The goal is to beat inflation 

Today’s guests have a deep insight into the world of mutual funds and investing. Mr. Harshad Patil, Vice-President and Chief Investment Officer of Tata AIA, and Rahul Singh Chief Investment Officer of Tata Mutual Fund, graced us with their knowledge and wisdom.  

The conversation began with a discussion of the pandemic and the impact it had on the market. Mr. Rahul recollects the initial impact and the gradual redemption of the market. He talked about how different classes of people fared differently throughout the pandemic. Salaried workers had increased savings due to decreased expenses thanks to the “work from home” culture. In scenarios like this, one class had savings to dive into, whereas the SMEs and migrant workers suffered, and continue to suffer. 

Rajiv also shared his input on Divya’s question on how we can manage well when our lives are under risks of climate change, geo politics issues, infections etc,. He said there are many types of risks, related to health and life. But what is important is how you should prepare yourself to manage those risks. He shared that to be financially secured we have to build our savings kitty. We need to have enough liquid savings based on family size and individual requirements. 

Mr. Harshad shared his opinion on the current product trends. Despite the increasing awareness, people were more hesitant to get themselves medically checked for COVID or other ailments. Now that fear has subsided considerably and the market has made a K-shaped recovery. The central bank cut policy rates drastically and hence the growth of the life insurance sector was much better in comparison to the rest of the industry.
When asked about their investment strategies, Rahul surmised that both greed and fear are essential ingredients to have to survive in the market. An investor must have a balanced approach toward his goals; the core principles for an individual investor are holdings and discipline. Investors these days prefer to be directly responsible for their assets, however, 90% of the totality do require advice for asset allocation, equity, and debt.
According to Harshad, the key to having a surplus retirement fund is to start early. Investing early enables an individual to accumulate enough wealth and assets to sustain their quality of life throughout their retirement. Rahul also added that there was no such thing as starting late, however, it came with its disadvantages. The goal is to beat inflation whilst maintaining your quality of life.

When asked about their portfolios, Harshad claimed that he has no such secret strategy. His strategy has always been simple and that is to start early. When he was younger, he focused more on the equity of the market, and now as an older gentleman, his focus is on a fixed income. He also claimed that he does his investment through mutual funds and never independently. Harshad also brings light to the advantages of the non-par product. The Non-par product assures tax-free return on a longer-term along with term insurance. The risk of inflation and the free fall market is nullified as they are mostly carried by the firm.
Neither of them has an intention of retiring anytime soon. They continue to urge that retirement planning is vital to achieving financial freedom and security. Watch this insightful episode of Divya Tusnial Show with Harshad Patil and Rahul Singh on Divya Tusnial Show Youtube page.

Divya Tusnial Show | Season 1 | Episode 8
with Manish Kothari | President & Business Head | Kotak Mahindra Bank Limited
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Every Adversity is an Opportunity 

Manish Kothari walked into the interview with an air of confidence and competence. His attitude is justified as a veteran of 20+ years in the world of commercial banking. The President and Head of Commercial Banking at Kotak Mahindra Bank sat down with us and shared his pearls of wisdom regarding financial planning and so much more.   

When asked about the changing behavioral patterns of the consumers of the SME sector, Manish was quite outspoken with his opinions and views. He believed that adversity is the true test of most entrepreneurs, and the pandemic forced them to reach the heights of their hidden potential. He credits the SMEs' agility and the government's support for their ability to emerge stronger and victorious in the face of this global crisis. According to his observations, most SMEs learned to manage their costs better and improve the efficiency of their business, along with improving the technological interface. It is truly said, that necessity is the mother of all inventions. Manish also shared his insight with our team regarding the behavior of the customers i.e. the SMEs, during stagflation. According to him, risk management is the most important factor for all companies, especially the ones that do not possess the privilege of being a large corporation. Risk management can be accomplished through various methods. Management of liquidity during tough times is vital. One can do so by shortening their working capital cycle; which might lead to lesser margins and lower profits, but one can reduce their inventory at a faster rate and increase their profitability. Strengthening your balance sheet should also take precedence in matters of financial management.  

Manish recalls the most common mistakes he has seen SMEs make during the pandemic. Some of them may seem trivial but they carry long-term consequences. According to him, the most common mistake that SMEs make is that they do not focus on their working capital cycle. They also make the error of mistaking profitability for cash flow. Manish emphasized the importance of liquidity as that is what helps a company during difficult times. 

As for the youth and budding entrepreneurs, Manish talked about how company policies and practices evolve and vary according to their needs. Pure startups need to focus more on their equity as that’s their vital resource. They would either need a support system in the form of their family/friends, or they must have a really good idea to entice potential investors. A good idea, a solid business plan, and a good team are the key ingredients of a successful start-up. Manish also conveyed his belief on why start-ups fail. Their priorities are in shambles whereas they should be focused on investing in people, instead of technology. Technology may make life much easier but it shall never replace the value of people.
When asked about his career, Manish humbly conveyed how banking chose him, and not the other way around. He was extremely happy with his life with Kotak and the warm atmosphere it radiates. They have a saying inside Kotak, that they are all professional entrepreneurs.

When asked about the future landscape FOF banking, Manish had a very interesting viewpoint to share. He believes that within 20 or so years, banking would grow into a more service-oriented system, where comfort and convenience took precedence over anything else. Banking shall evolve into a different form entirely and it could potentially be entirely digital.

According to Manish, the main criterion for him regarding his financial planning, simplicity is the deciding factor. The customer should always understand what the bank is trying to sell them. One must always plan out their investments and stick to them with consistency, and the occasional review. Watch this insightful episode of Divya Tusnial Show with Manish Kothari on Divya Tusnial Show YouTube page.

Divya Tusnial Show | Season 1 | Episode 9
with Yashish Dahiya | Chairman & CEO | PB Fintech
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Risk is overrated  

Yashish Dahiya began his interview with his usual flair and ease. The CEO and Co-founder of the company Policy Bazar have over 15 years of experience in the field of life insurance and policies. We were honored to have such a distinguished guest share his wisdom and insight with us.   

When asked about the growing post-pandemic shift in a consumer’s attitude towards insurance and financial planning, Yashish said that he had observed two key ingredients instrumental to this shift. First, the fear of the unknown has disappeared from the minds of consumers. People have shed their usual distress regarding things that they cannot control, namely the mechanics of life and death. Second, people are leaning more toward guaranteed returns. Consumers today have an affinity for a system of fixed deposits and guaranteed returns. Yashish believes that this shift in attitude won’t last forever, as the mind of the consumer is driven solely by the recency of events. 

Yashish also discussed his opinions on how the industry shall evolve in the coming decade or so. India, as a country, is enormous in terms of its population; its people. And yet, the level of protection policies sold in our country is abysmally low. In the coming years, our nation would see a gradual shift towards more protection-focused policies and insurance. Ours is a nation that doesn’t have a social security system. It was the norm in a joint family, as the aged would continue to live with their families and were taken care of by their offspring. However, with modernity comes the rejection and fracture of the joint family system. Hence the country requires better and thorough future planning for the coming generations. 

Yashish was candid about his journey with Policy Bazar and its conception. He shared with us the tale of his father, and how that would later inspire him to start Policy Bazar. As a retired Army Colonel, Yashish’s father was disciplined in his approach to buying insurance. During the economic collapse of 2008, his father lost two-thirds of his total savings as such was the terms of his policy. This incident motivated Yashish to start a movement whose sole goal was to educate people about what they were getting into. His goal was to raise awareness regarding the product they were investing their hard-earned money into. Policy Bazar has quite a unique hiring quota as well, which sets it apart from its competition. It places value on the selflessness of its employees, deeming them to be a good fit for the company atmosphere.

Yashish also discussed this personal preference in terms of Diversified or Consolidated. According to him, he would choose a diversified approach for a passive or non-active role, whereas he’d choose a consolidated approach for an active role.
Yashish also had a few golden bits of wisdom for the youth. He wants them to take risks and be fearless in their battles against the follies of life. He also advises them on valuing opportunities, as the future can never be predicted. On budding entrepreneurs, Yashish asks them to value the people that stuck with them through difficult times. Sharing equity with your team is vital as it breeds loyalty and love for one’s enterprise. As Yashish chooses to live by his life’s motto of Working Hard and Playing hard, he can be often found participating in fun sporting activities with his near and dear ones. Watch this insightful episode of Divya Tusnial Show with Yashish Dahiya on Divya Tusnial Show YouTube page.

Divya Tusnial Show | Season 1 | Episode 10
with Vineeta Singh | CEO & Founder | Sugar Cosmetics
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Riding on Entrepreneurship passion while managing personal finances  

Vineeta Singh arrived on the show with her brand of energy and bubbly flavor. The Co-Founder and CEO of Sugar Cosmetics, India’s fastest-growing beauty brand, was quite proud to reveal that she followed the show and was quite interested in the previous episodes.   

We were honored that she chose our platform to orate her learnings of the industry and the wisdom she collected on the way. At the age of 23, Vineeta dared to do something most of us would have struggled with, even now. She turned down a lucrative job offer in favor of starting her own business. The entrepreneurial dream burned bright inside of her, ever since she was merely 17 years of age. 

She had always been passionate about building something of herself, giving it form and structure. Something to call her own. Her dreams led her toward the creation of Sugar Cosmetics. Vineeta is also an athlete of a respectable caliber. She has participated in and completed several marathons and triathlons. Her competitive nature has also seeped into her business for her desire to never give up is frequently chiseled into perfection. She compares her marathons with being an entrepreneur and notes how similar both journeys tend to be. Each hurdle is a lesson and one needs to learn to celebrate the milestones, no matter how small they might be. According to her, setbacks and obstacles are a part of life and the most important thing is to just show up for the race. When asked about her strategies for personal finance, she laughed and admitted that she trusts her finance manager to deal with it. The majority of her revenue collection is from her company and others she has invested in; her policy of investing is one of Invest & Forget. She has had a few mentors in her life and they let her in on some good advice. One such piece of advice was that an entrepreneur needs to diversify their investment portfolio.  

On the topic of women empowerment, Vineeta had been a pioneer in the industry. Both vocally and practically. She firmly believes that the key to empowerment is financial independence. Every woman should thrive to reach a level of personal financial independence, where they need not rely on anyone for aid. The sense of liberty is addicting once they get a taste of it. Vineeta was also asked for three nuggets of wisdom for the youth and she graciously consented. One, an individual needs to be consistent and patient with their profile. Easy solutions are often too good to be true and one must always remember that there are no shortcuts. Second, it is always better to start early. In an early stage of their lives, an individual won’t be burdened with the same responsibilities as they would at a later stage. And third, figuring out their passion. Money isn’t the end goal, money with happiness is. Her brand being one of the fastest-growing beauty brands in the nation, she does plan on expanding on Television to reach an audience that isn’t so technologically savvy.

On an end note, Vineeta Singh proved to us that she is human after all when she admitted her love for Rajma Chawal and Chole Bhature. When she isn’t expanding the horizons of her company, Vineeta can be found enjoying her day with any physical activity, namely jogging. Running is her meditation. Watch this insightful episode of Divya Tusnial Show with Vineeta Singh on Divya Tusnial Show YouTube page.

Divya Tusnial Show | Season 1 | Episode 11
with Gaurav Kumar | CEO & Founder | Yubi
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An extraordinary journey and investment planning demystified.  

Gaurav Kumar, CEO and founder of Yubi previously known as Cred with Divya Tusnial show telecasted on 17th December on ET Now. Gaurav shared his views on SMEs and shares his thoughts on debt deficient post covid pandemic. He believes that India is standing out in the macro largely because of how SMEs have been shaped during the pandemic and the credit for that goes to the government. According to him the backbone of the Indian growth story this decade is mainly going to be around how SME growth looks like.   

He also spoke about the diversification of the source of funding and the utilization of working capital. He believes that in coming years, people will witness of catalytic effect on the entire SME if the access to debt and working capital can be worked upon. He further shared his views on how different economies are dealing with debt and its correlation with their GDPs. He emphasized the role of borrowing in our countries’ development and future endeavors. He believes that in the next 10 to 20 years a massive curve in the countries’ growth will be observed. He further gave some advice on what all factors should be taken into account while taking a loan. He strongly emphasized the leverage ratio on both individual and enterprise levels. According to him, it should always be kept low. 

Gaurav shared his journey of starting YUBI and how the debt ecosystem and debt market inspired him to work on his own startup. He elaborates on the platform Yubi is building an infrastructure where both sides of the market can work co-cordially. The Yubi has been built in three layers. The first layer is a platform where one has to integrate with Yubi and then you don’t have to integrate with any other body. The second layer, which is on the protocol layer has been a multi-product so depending on what you want to choose in the marketplace, one can interoperate between products. And lastly, the third layer is the SAS layer.  

Yubi is the first one to create a Trifecta model. He further explains the meaning behind the name Yubi and why he made a change from Cred. He told us the backstory behind the name Yubi which means ubiquitous, as a company they wanted to be ubiquitous just like air. UB being present all across but invisible was the main idea behind the name change. On being asked about his mantra for success which could inspire the budding entrepreneur he told us two things that have to be taken into account. First is that you have to be authentic and second is to focus. Once you adopt both, it is a perfect mix of the attitude of an entrepreneur. He further laid an emphasis on vision strategy and shared this idea of it.

Watch this insightful episode of Divya Tusnial Show with Gaurav Kumar on Divya Tusnial Show YouTube Page. Learn more about Gaurav’s extraordinary journey and his investment goals. Listen to Divya’s tips on financial plans. Subscribe and Like, Divya Tusnial Show social media pages to stay updated on financial planning and tips. Share your thoughts, opinions, and questions as Divya Tusnial Show will be soon back with more episodes.

Divya Tusnial Show | Season 1 | Episode 12
with Season Highlights
WATCH FULL EPISODE

A Recap of the Guest Highlights on Divya Tusnial Show  

The highly acclaimed financial talk show, Divya Tusnial Show,   has just aired a special recap episode featuring all the highlights from its first season. For anyone looking to manage their wealth and secure their financial future, this episode is a must-watch.   

Throughout the first season, Divya Tusnial, the host of the show, led in-depth discussions with the top 12 industry experts from various fields, including the BFSI industry, banking services, and hospitality industry. The show explored a range of topics, from life insurance to health policy and the role of technology in financial services. Viewers were also provided insights on the importance of building a strong personal brand in today's competitive marketplace.  

The recap episode offers a wealth of knowledge and expertise from some of the top industry experts in the BFSI, banking services, and hospitality industries. It revisits some of the most impactful insights of the season, offering viewers an opportunity to revisit some of the most valuable moments.  

Some of the highlighted guests of the season included the chairman of Kotak Bank, the brand custodian of TATA, the CEO of TATA AIA, the founder of IIHM, and the CEOs of brands like Sugar Cosmetics, Yubi, and Policy Bazaar. The show provided viewers with valuable insights on how to manage wealth and navigate the complex financial landscape. For anyone looking to manage their wealth and achieve their financial goals, Divya Tusnial Show is an invaluable resource. The show has provided viewers with the knowledge and tools they need to make informed decisions about their financial future. The season 1 recap episode offers viewers a chance to revisit the most valuable moments from the show and apply the lessons to their financial lives.

In conclusion, Divya Tusnial Show has been an outstanding resource for anyone looking to secure their financial future. With insights and advice from top industry experts, the show has provided viewers with the knowledge and tools they need to make informed decisions and achieve their financial goals. The season 1 recap episode is a must-watch for anyone looking to manage their wealth and navigate the complex financial landscape.

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