Temperament: Money, Mind & Emotions

India’s credit card spending reached 1.64 lakh crore rupees in March 2024, up 20% year over year, while personal loans grew 14% and households in their late 20s now manage more than three credit accounts.

Temperament: Money, Mind & Emotions asks how financial trauma affects finances, and host Ashish Chawla frames it around anxiety, avoidance, guilt, and inherited money beliefs.

Temperament: Money, Mind & Emotions examines how AI is changing personal finance and investment, with host Ashish Chawla opening around a study in the International Journal of Novel Research and Development that found 25 percent savings growth for AI users versus 10 percent with traditional methods.

India’s aviation sector is presented as investable through URAN’s 86 airports and 600-plus routes, with MRO projected to rise from $1.7 billion to $4 billion by 2031 and nearly 12,000 certified drone pilots already active.

The episode opens with a simple question: how much gold is sitting in Indian families' lockers?

Ashish Chawla’s Temperament episode on retirement funds uses three named experts — Kuldeep Parashar of PensionBox, Rajni Tandley of One Finance, and Sriram Iyer of HDFC Pension — to compare NPS, PPF, and EPF for Indian savers.

Temperament: Money, Mind & Emotions tackles understanding alternative real estate by comparing REITs, fractional ownership, AIFs, secured debt, and tokenized property.

Ashish Chawla opens by connecting macroeconomics to the cost of daily life.

The episode looks at why mutual funds work for some investors and not for others.

Temperament: Money, Mind & Emotions covers the financial dimensions of Indian weddings, starting with the claim that over 1 crore weddings a year make the market worth $130 billion.

Ashish Shabla opens with AMFI data showing nearly 48% of mutual fund investments by individuals are redeemed within two years, even though Instagram reels, YouTube FIRE content, and mutual fund ads are everywhere.

Temperament: Money, Mind & Emotions asks whether investing in art is only for the ultra-rich, opening with Salvator Mundi at $450 million and a Jean-Michel Basquiat that rose from $19,000 to over $110 million.

Ashish Chawla starts with a personal story about a friend who lost lakhs through a betting app.

India is getting more ultra-HNI households fast.

This episode reframes retirement as something much longer than most people still picture.

Host Ashish Chawla explores why money remains taboo in relationships despite driving 22% of divorces.

Divorce is the starting point.

Analysis of Airbnb investment landscape in India, focusing on Goa market.

This episode explores angel investing in India, featuring insights from investors Arjun Vaidya and Anirudh Damani on strategies, risks, and common mistakes.