Think mutual funds are just for finance pros? Think again. 💡

In this episode of Moneywise, Virat and Rachita break down everything first-time investors get wrong about mutual funds, from picking your first SIP to understanding why your bank balance isn’t growing (hint: inflation is silently eating it).

Expect sharp insights, relatable money confessions, and zero jargon as we talk about:

 • How to actually start investing in mutual funds the smart way
 • Why “waiting for the right time” is the biggest mistake beginners make
 • Simple frameworks to build long-term wealth without feeling overwhelmed

Whether you’re hoarding cash in your savings account or feeling lost in finance lingo, this episode will help you see money through a whole new lens — practical, simple, and a little bit savage.

Everyone wants to know what the right time to invest in mutual funds is, but here’s the uncomfortable truth: the perfect time was yesterday. The next best time? Today!

In this episode of the Moneywise Podcast, Virat and Rachita break down one of the biggest investing myths, waiting for the “right moment”, and explain why time in the market beats timing the market every single time.

They dig into how compounding actually works, why early starts matter, and how even a small delay can make a huge difference to your long-term wealth building. Expect witty banter, simple maths, and stories that’ll make you rethink your “I’ll start next month” mindset.

Here’s what you’ll take away:
•⁠  ⁠Why there’s no perfect age or perfect market condition to begin investing.
•⁠  ⁠How to make your money work for you through the power of compounding.
•⁠  ⁠Simple steps on how to start investing and stay consistent.
•⁠  ⁠A clear guide on how to start SIP even if you’re new to Mutual Funds.
•⁠  ⁠The long-term benefits of starting early and letting time do the heavy lifting.

Whether you’re a student just earning your first salary or a professional waiting for the “right” market entry, this episode shows why one of the smartest steps you can take is to start early and stay consistent.

Tune in if you’ve been wondering what the right time is to invest in mutual funds, because by the end of this episode, you’ll realise you already know the answer.
Tell us in the comments: when did you start your first SIP, or what’s stopping you from beginning today?

Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions. 

Ever wondered why some people with huge paycheques still end up broke by the end of the month? It’s not bad luck; it’s lifestyle inflation.
In this video, we unpack the sneaky lifestyle inflation trap — that pattern where your expenses quietly grow every time your salary does. From “I deserve it” purchases to impulse upgrades, this trap can eat away at savings faster than you realise.

Here’s what we break down:

•⁠  ⁠What exactly lifestyle inflation is and how it creeps into your financial habits.
•⁠  ⁠Why high income doesn’t automatically mean high savings.
•⁠  ⁠How to spot the early signs that you’re falling into the lifestyle inflation trap.
•⁠  ⁠Practical tips on how to budget and save money — without feeling deprived.
•⁠  ⁠Simple ways to build a smarter budget that grows slower than your salary.

If you’ve ever told yourself, “I’ll start saving when I earn more,” this video might change how you see money. The truth is, real wealth comes from discipline, not digits on a payslip.

Watch till the end for a few actionable ideas on how to save money and start taking charge of your financial habits before lifestyle creep takes over.

Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions.

We spend decades saving and investing, but the real test of money smarts often comes at the very end during the distribution phase of wealth creation.

In this episode of the Moneywise Podcast, Virat and Rachita explore the stage that determines whether your years of hard work and saving actually translate into a comfortable life. It’s about more than just numbers; it’s about using your corpus wisely so you can enjoy retirement with dignity.

Here’s what you’ll hear:
•⁠  ⁠Why good retirement planning isn’t just about how much you save, but how you plan to use it.
•⁠  ⁠How structuring your asset portfolio matters when you start drawing down your savings.
•⁠  ⁠The often-ignored challenges of living off your investments, from inflation to healthcare costs.
•⁠  ⁠Real-world stories that show why the distribution phase is as important as the building phase.
•⁠  ⁠Practical perspectives on financial planning for retirement that can help you think ahead without panic.

Whether you’re decades away from retirement or already planning to use your accumulated corpus, this episode will get you thinking about how to make your money last for the life you want to live.

The aim is simple: to spark smarter conversations about the final stage of wealth creation, one that is as much about peace of mind as it is about managing your asset portfolio.

Most of us obsess over earning and investing… but the real game-changer in wealth creation often comes much later during the transfer phase.
In this episode of the Moneywise Podcast, Virat and Rachita dig into a stage that many investors overlook until it’s too late. This is the point where decisions about how you move or withdraw your money can decide whether your wealth continues to work for you or gets eroded.

You’ll hear stories, sharp banter, and a few face-palm moments as we unpack:

- Why simply growing your portfolio isn’t enough if you don’t plan what happens next.
- How unplanned moves during the transfer phase of wealth can undo years of progress.
- Common mistakes investors make, and how poor planning has left some with far less than they expected.
- The role products like a Debt Fund can play in smoothing this stage, and why rushing in or out of assets without a plan can backfire.
- Practical pointers for anyone aiming to turn their savings into a sustainable financial legacy.

Whether you’re just starting with Mutual Fund investments or you’re further along your journey, this episode shows why understanding all phases of investing is as crucial as focusing only on returns.

Everyone dreams of financial freedom, but here’s the truth about wealth accumulation: it often begins with the basics—saving regularly, building an emergency fund, and committing to small but steady investments like SIPs. Before you explore advanced wealth creation strategies, it helps to first build a safety net that can protect you from life’s surprises.

In this episode of the Moneywise Podcast, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) unpack why wealth accumulation is usually step one in the journey towards wealth creation. Think of it as the foundation of a house: without it, the whole structure wobbles.

Here’s what we cover:

•⁠  ⁠The truth about wealth accumulation: why saving and SIPs aren’t boring. They’re like your financial seatbelt.
•⁠  ⁠Building an emergency fund—an underrated first move that can support your long-term journey.
•⁠  ⁠Why skipping straight to step two without a backup plan often ends in stress (and regret).
•⁠  ⁠A relatable wealth accumulation guide for beginners that shows how small, consistent actions can add up over time.

Why this matters:

Because it isn’t just about hoarding cash. It’s about building resilience. From handling sudden expenses to feeling secure enough to take calculated risks, wealth accumulation aims to help you prepare for the bigger moves in your money journey.

If you’ve ever wondered where to begin, or felt FOMO seeing others chase investments while you’re still saving, this episode puts things in perspective. Virat and Rachita bring their signature mix of humour, banter, and practical insights to make finance feel a lot less intimidating.

Takeaway: Before chasing growth, it helps to build safety. Financial freedom often begins with smart saving, SIPs, and a solid emergency cushion.

Ever blamed your wins on skill but your losses on “bad luck”? Or spent your money today because tomorrow felt too far away? Or maybe you bought that stock just because “everyone else was doing it”? Welcome to the tricky world of investor psychology in stock market podcast style.

In this episode of the Moneywise Podcast, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) take apart three powerful mental traps that shape how we invest, save, and spend. It’s funny, it’s relatable, and it will definitely make you go: “wait… I do that too!”
Here’s what’s on the table:

Self-Attribution Bias: Why we pat ourselves on the back for every win in the market, but blame external forces when things go south.

Present Bias: Why we prefer instant rewards today over potential future gains, and how it shows up in both shopping sprees and stock investing for beginners.

Bandwagon Bias: Why following the crowd feels safe, but may lead us straight into bubbles. Afterall, “everyone’s buying it” doesn’t make it a good choice.

Why tune in?

Because these aren’t just abstract theories, they’re everyday patterns. From panicking during market dips to joining in on “to the moon” hype, these biases shape how we approach the stock market without us even noticing. And spotting them is the first step to avoiding common mistakes.

If you’ve ever wondered why you behave the way you do with money, whether you’re new to stock investing for beginners or have been in the game for years, this episode makes complex ideas about investor psychology in a stock market podcast style: fun, clear, and relatable.

Think you always make investing decisions with logic? Spoiler: half the time, your brain’s just running on autopilot, like ordering the same coffee every single day because it feels “safe."

In this episode of Moneywise Podcast, Virat (the thoughtful Millennial) and Rachita (the unapologetic Gen Z) break down three everyday behavioral biases in investing that can quietly shape how we spend, save, and invest:

•⁠  ⁠Availability Bias: Trusting the most recent or easiest-to-remember info instead of the full picture.
•  Status Quo Bias: Sticking with the default in apps, in life, and even in our portfolios, even when change could help.
•⁠  ⁠Familiarity Bias: Choosing what we already know (brands, stocks, funds) and overlooking other possible options.

The Indian markets keep evolving, and sector leaders often play a big role in driving that change. With the Bandhan BSE India Sector Leaders Index Fund (NFO) now open, investors have the chance to consider exposure to some of the biggest companies in India across multiple sectors through a transparent, rules-based index approach.

In this episode, we break down 5 key things you should know before you invest:

•⁠  ⁠How the BSE India Sector Leaders Index is designed

•⁠  ⁠Why investing in market leaders across industries can bring both diversification and a degree of relative stability compared to smaller companies

•⁠  ⁠The simple, index-tracking methodology of the fund

•⁠  ⁠The potential role of such funds in long-term portfolios

•⁠  ⁠Who may consider this type of investment option

This NFO video will help you understand the fund structure better so you can take informed investment decisions.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

Think following the crowd keeps you safe with money? Spoiler: Sometimes the herd may run straight off a cliff. 🐑📉

In this lively episode of Moneywise, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) dive into the fascinating tug-of-war between crowd wisdom and individual stupidity, and uncover 3 more biases. From fake “last day sales” to stock market frenzies where everyone is buying the same thing, they unpack why human brains are wired to trust the majority and how that can cost you big. 

Get ready for witty banter, sharp digs, and stories you’ll definitely relate to, as we break down:

Herding Bias: Why we feel safer copying the crowd and how that can backfire in investing and spending.
Anchoring Bias: How the first number we see, be it a stock price or a sale tag, messes with our judgment.
Overconfidence Bias: Why thinking you’re “too smart to fail” can actually cost you more.

Stick till the end for practical, easy-to-use tools to spot these biases before they mess with your money moves.

Think Gen Z and Millennials handle money differently? Spoiler: our brains play the same tricks, just in different packaging.

In this fun, fast-paced episode of Moneywise, Virat (the Millennial) and Rachita (the Gen Z) take you through three big psychological biases that mess with how we make financial choices. Expect witty banter, relatable stories, and a few savage generational digs; all with one goal: to help you spot how your brain can trip you up.

Whether you panic-sell like a Millennial or meme your way through fear like a Gen Z’er, the truth is: your brain is the real saboteur.

Here’s what’s inside:
 • Recency Bias: Why yesterday’s market dip feels like today’s disaster.
 • Confirmation Bias: How we only see what agrees with us (even when it’s wrong).
 • Loss Aversion: Why losing ₹100 stings more than finding ₹100 excites.

👉 Stick till the end for simple, practical tools to catch these biases before they hijack your money moves.

💬 Comment with the bias you’ve caught yourself doing this week—don’t worry, we’ve all been there.

People don’t make financial decisions based on textbook rules, they make them through emotions while navigating real-life challenges. Whether you’re a Millennial or Gen Z, most advice circles back to the same old tips: save more, start a SIP, cut costs. But what about the hurdles we actually face day to day?

In the Moneywise Podcast series, two generations come together for a heart-to-heart on financial planning and the real challenges behind it. Whether you’re just starting out or already seasoned, this series will help you become #Moneywise through jargon-free conversations rooted in lived experiences. Two voices, two perspectives, one goal.

The podcast is hosted by Rachita Dabre, bringing the Gen Z lens, and Virat Sharma, adding the Millennial viewpoint shaped by real-world experience. Both part of the Bandhan Mutual Fund content team, they are passionate about helping people make smarter investment choices.

Each episode uncovers untold truths about financial planning, budgeting, and investing. Sometimes they clash, sometimes they find common ground, but always with honesty. Tune in every Friday to find out just how similar (or different) their journeys really are.

Don’t forget to subscribe!

What is portfolio rebalancing, and why is it essential for every investor? In this episode of the Moneywise Podcast, veteran Financial Advisor R. Subramanian explains how to keep your asset mix aligned with your goals.

He shares simple strategies, key triggers for rebalancing, and practical guidance to help you manage risk over time.

Tune in to understand why portfolio rebalancing is not about chasing returns, but about staying consistent and in control.

Mutual fund investments are subject to market risks. Read all scheme related documents carefully.

Can you build your entire investment portfolio using only index funds? In this episode of the Moneywise Podcast, Sooraj Raveendran, Founder & CEO of Index Funds Sahi Hai, explains how index funds can be used to construct a well-diversified, long-term portfolio.

He also shares how investors can think about equity, debt, international, and even factor-based exposures within an index-only approach.

Tune in for a balanced, practical conversation on passive investing and where it may fit into your journey.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Confused about what index funds really are? You’re not alone.

In this episode of the Moneywise Podcast, Mehul Shah, Financial Advisor and Designated Partner at RIQR LLP, helps demystify index funds. With over 20 years of experience, he explains how these funds work, why they’re gaining popularity, and who they’re suited for.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Market fluctuations can lead to impulsive decisions—but should they? In this episode of the Moneywise Podcast, we are joined by Chetan Agarwal, Head of Corporate Treasury at Bennett Coleman and Co. Ltd., to discuss how investors can navigate market volatility with confidence.

He explores the dangers of emotional investing, the importance of asset allocation, and why staying invested for the long term matters more than timing the market.

Financial planning for children doesn’t have to be overwhelming. In this episode of the Moneywise Podcast, financial advisor Hrushikesh Swain explains when to start investing, how to leverage mutual funds and smart strategies for key milestones.

Learn how disciplined investing, early planning, and regular reviews can help you build a financially secure future for your child.

In this thought-provoking episode of the Moneywise Podcast, host Jude Fernando chats with Rahul Jain, a financial advisor and founder of G.R. Finvisors. 
Together, they discuss how investor behaviour can significantly impact financial success.

Learn about the common mistakes investors make during emotional decision-making, discover key habits for wealth creation, and understand how financial advisors play a vital role in guiding clients through market highs and lows.

If you’ve ever wondered how your behaviour could shape your wealth, this episode is a must-watch!

In this insightful episode of the Moneywise Podcast, host Seetal Iyer speaks with Prateek Sinha, a seasoned wealth manager. They discuss the unique characteristics of factor funds, how they differ from traditional index funds, and why they’ve gained popularity in recent years. 

If you’re interested in understanding how factors like value, momentum, and quality can influence investment returns, this episode is a must-watch!

Join us for a thought-provoking episode of the Moneywise Podcast where host Seetal Iyer interviews Kashyap Mody, Head of Treasury, Jio Platforms. They discuss the importance of asset allocation in both corporate treasury and personal finance. 

They explore various asset allocation strategies, the current trends in small and mid-cap stocks, and the vital practice of portfolio rebalancing.