Fintech Ki Baat

What does Entrepreneurship actually look like behind the Cameras, the funding, announcements & the LinkedIn Posts? Indrejit Makkar has seen it all.A decade at S&P building Capital IQ. A recycled denim startup that flopped. An e-cigratte business wiped out overnight by a government ban. A shark Tank Season 1 Pitch that landed funding from Piyush Bansal & Ashneer Grover & then the part nobody talks about: Runiing 2 startups with a team so lean they were doing everything from sweeping to sales.In this Conversation, Inderjit holds nothing back. Why he paused Factacy.ai for 2 years to keep proxgy alive. How that accidentally saved the company when the AI wave hit. Why your Spouse is your biggest invesror even without putting in a rupee & why celebrating funding rounds is the first Sign you've lost the plot.TIMESTAMPS:-02:52- How did Inderjit Start his entrepreneurial journey?08:00- Experience of featuring on Shark Tank India11:42- Journey of Building Factacy.Ai & piece of advice for budding entrepreneurs19:15- When you talk about jumping into entrepreneurship, they say you should have a safety net. What was your safety net ?24:33- Things Budding Entrepreneurs Should Not Do While Starting a Startup

What if an MSME could get a loan approved in seconds instead of weeks ?Chirah Shah Founder & CEO-Pulse, has already made this happen for 7 Million UK Business backed by £3. 4 Billion in Securitised Lending. Now he's bringing that playbook to India. In part 2, we deep dive into how Pules's data engine works, why their daily refresh data beats even credit bureaus, how securitization structures actually function (broken down simply) & what it will take to unlock serious foreign capital for Indian MSME's. We also get into why business insurance in india has a product and an awareness gap, what embedded finance actually looks like when done right, and why Chirag believes fixing MSME Capital access is the real GDP growth engine India needs.TIMESTAMPS02:11 - What is Pulse all about & what is it building?04:18- Why the name Pulse?05:23- Product Securitisation 05:49- Where does Pulse fit in MSME? Is pulse ERP ? or ppe sitting behind ERP?10:20- Star Contrast between MSME Lending in U.K Vs India ?15:36- What are the other products Chirag see benefit from MSME Platforms?21:00- Securitisation of Products in U.K 26:54- How is Loan Processed 31:19- Creating Investment Assets for Retail Class& Foreign Investors32:45- Thoughts on Foreign Investment Platforms37:35- Closing Remarks

In this episode of Fintech Ki Baat Dil Se, we sit down with Chirag Shah, Founder & CEO of MyPulse, to explore his journey from investment banking in the US and London to building a fintech infrastructure company in India.Chirag shares how the 2008 financial crisis sparked his entrepreneurial journey, why he moved back to India to build MyPulse, and what it takes to build technology that helps SMEs and lenders make smarter financial decisions through data.We cover his journey from Mumbai → US → London (post-2008 credit crisis) → back to India to build MyPulse, plus hard truths on entrepreneurship: don’t over-plan, don’t obsess about being first, and hire a “team of lions.”A must-watch for founders, fintech enthusiasts, and anyone building in the SME and financial data ecosystem.TIME STAMPS02:16- Chirag Shah’s journey from Mumbai → US → London → India 03:50- Leaving Job & Stepping in the world of Entrepreneurship 05:19- The myth of “first-mover advantage” in startups 07:20- What made you caome back to India from London 08:20- The Journey of Building MyPulse From the Scratch 09:34- Most Humbling piece came across while building MyPulse11:00- Hiring your first team and building a “team of lions”13:18- Fund Raising in India Vs. Other Foreign Countries14:50- How do you see B2B model Vs. Unit Economic Model?18:10- A piece of advice for someone who is starting B2B Business Model & even be revenue positive21:00- 3 Don'ts for Budding Entrepreneurs. Stay tuned for the next segment Dhande Ki Baat, where we deep dive into how MyPulse is transforming financial intelligence for SMEs.

In this episode, Nitish Sahni, Co-Founder of Paasa, breaks down the complete infrastructure behind global investing — from LRS remittances and bank integrations to Interactive Brokers custody, estate tax risks, and compliance layers.We also explore how global diversification is reshaping Indian portfolios, the macro impact of capital outflows, and what the future holds for cross-border investing.⏱ TIME STAMPS02:24 – The story behind the name Paasa03:15 – How a $1 investment actually travels overseas08:05 – Exchanges connected globally08:42 – Do you need an account with partner banks?09:51 – From bank debit to share custody confirmation11:54 – How global equities change the investor landscape17:59 – Estate tax rules for Indian investors19:35 – If 30% of Indians invest globally: macro impact22:10 – How this space evolves in the next few yearsThis is not theory. This is the real backend of cross-border investing explained in simple terms.If you're an investor, founder, fintech enthusiast, or someone curious about how platforms enable Indians to invest globally — this episode gives you clarity.If you’ve ever wondered how global investing actually works behind the scenes — this episode connects all the dots.

n this episode of Founders Story, we sit down with Nitish Sahni, co-founder of Paasa—a YC-backed platform giving Indian investors seamless access to global assets and financial advisory.From SoFi’s data platforms in the US to Y Combinator in 2024, Nitish shares how his personal experiences with rupee depreciation and cross-border money movement led to the idea of Paasa.📌 Key themes covered:From Berkeley to SoFi: Lessons from BigTech and FintechWhy Indian HNIs lack access to global productsThe $1 trust problem in fintech onboardingGoing B2C in wealth: Breaking through regulatory and trust barriersEarly GTM learnings and customer acquisition playbooks🚀 If you’re building in fintech, working on compliance-heavy products, or just curious about what it's like to go from YC to launching in India—this story has it all.🎥 Watch now, and subscribe for more founder journeys from the frontlines of Indian fintech.#FoundersStory #Paasa #NitishSahni #YCFounder #FintechIndia #ShreyasJani #GlobalInvesting #WealthTech #YCombinator #SoFiAlumni #FintechPodcast

In this deep-dive episode of Dhande Ki Baat, we sit down with Satinder Aggarwal, founder of EQBAC—a game-changing platform that's making it seamless for Indian investors to access global assets.From setting up international custodian accounts to enabling fractional investments in global equities, Satinder unpacks the infrastructure, regulations, and advisory model powering the next wave of cross-border investing.What’s Inside:👉 How global investing works for Indian retail investors👉 Regulatory hurdles and Gift City’s rising importance👉 The advisor-first model behind EQBAC👉 Infrastructure, KYC, and tech stack for seamless global access👉 Why fractionalization will shape the next phase of financial inclusion👉 A macro view: What happens if 30% of India starts investing overseas?Whether you're a retail investor, wealth advisor, or a fintech founder—this episode is loaded with insights you don’t want to miss.📌 Don’t forget to like, share, and subscribe for more such candid conversations.#fintechstartup #fintechindia #fintech

What does it take to make cross-border investing effortless? In this Founder’s Story, Satinder Aggarwal, founder of EQBAC, reveals how he's building a frictionless USD-to-India investing highway—leveraging offshore funds, NRI flows, and Gift City’s potential.🚀 From quitting the corporate safety net to aggregating global mutual funds for NRIs and overseas investors, this candid conversation with Shreyas Jani dives deep into the “why” and “how” behind EQ Back’s mission.TIMESTAMPS:00:39 – Introduction of Satinder & EQBAC01:27 – Global Investments02:05 – Satinder's Journey04:33 – Previous Startup05:42 – From Yes Bank to Karvy to Founding EQBAC09:12 – Managing Life Without Cashflow as a Founder12:00 – Startup Ecosystem: Dubai vs India15:00 – Rise of Fintech in Dubai18:00 – The ‘Aha’ Moment: EQBAC is Working21:00 – Advice to Budding Entrepreneurs

In this explosive panel from Fintech Ki Baat Our Host Shreyas Jani dives deep with four industry veterans—Chris George (Qube Health), Jose Peter (Founder & CEO-Arogya Finance), Apurva Sule (Pharma Expert), and Atul Deshpande (Insurance Expert)—to uncover why India spends ₹6 lakh crore out-of-pocket on healthcare annually.From insurance gaps to financing innovations, discover:Why Indians fall into poverty due to medical shocksHow startups are solving critical care affordabilityThe missing middle: India's uninsured problemThe rise of healthcare sachet products & OPD financingThe role of UPI-style rails for medical paymentsWhat the next 5 years look like for India’s healthcare infra💡 Whether you're a healthcare founder, insurer, policymaker or just an aware citizen—this is a must-watch.👉 Don’t forget to like, subscribe, and share with someone who needs to hear this.TIMESTAMPS 02:33 – Evolution of Healthcare Finance in India05:44 – Jose’s experience in medical lending09:10 – Most common patient-side use cases10:36 – How countries tackle out-of-pocket expenses22:00 – Super Top-Up Insurance: Explained31:00 – Cost & complexity of oncology drugs45:00 – Changing financial behavior in healthcare56:27 – The next 5 years in healthcare & paymentsWhether you're a healthcare founder, insurer, policymaker or just an aware citizen—this is a must-watch.👉 Don’t forget to like, subscribe, and share with someone who needs to hear this.

What does it take to build trust in India’s most regulated fintech layer?In this episode of Dhande Ki Baat, host Shreyas Jani sits down with Venkatesh Krishnamoorti, Co-founder & CEO of SAFE.in, to unpack the real story behind building one of India’s first Account Aggregators.Discover how account aggregation is revolutionizing financial services by providing secure, error-free data and empowering consumers with control over their financial information. Venkatesh shares his entrepreneurial journey, insights into the industry's future, and the transformative potential of account aggregation for both businesses and individuals.From his early career in financial services to navigating RBI compliance, Venkatesh shares:Timestamps;00:40 – Intro & Founder Journey Recap01:35 – What is Account Aggregation & Why it Matters03:20 – Data Consent & Encryption Explained06:00 – Regulatory Oversight & RBI Audits07:30 – Lending, Wealth, Insurance & F&O Use Cases10:10 – Why Banks Are Catching Up Slowly10:31 – Real Savings for Lenders: ₹150 to ₹312:05 – Joint Account Access Coming Soon14:14 – MSMEs + Inclusion via Joint Consent16:35 – Non-financial Data Consents (Auditors, Visa, etc.)18:32 – LSPs & Future Expansions Beyond Regulated Entities22:40 – Interoperability Challenges & Sahamati NET25:00 – Central Proxy Layer: The UPI Moment for AAs27:34 – Business Model Viability & Market Dynamics31:42 – DPDP & Consent as a New Layer of Power32:45 – Future: Every Transaction Touches AA37:45 – Wrap Up & Closing ThoughtsThis isn’t a pitch. It’s raw, practical, founder-first storytelling from someone who’s building the pipes of India’s open finance future.🎧 Watch if you're a fintech builder, operator, investor, or just curious about India’s data revolution.

In this episode of Fintech Ki Baat Dil Se, Shreyas Jani sits down with Venkatesh Krishnamoorti, Co-Founder & CEO of SAAFE.in—one of India’s leading licensed Account Aggregators (AAs). With over three decades in financial services and leadership stints at Cholamandalam and Cognizant, Venkatesh brings unparalleled insight into the evolution of digital finance in India.We deep-dive into his journey from NBFCs to tech-driven compliance, the founding story of SAFE.in, and how account aggregation is reshaping digital lending, user consent, and privacy in India.Timestamps:00:49 – Intro to SAFE.in and Account Aggregation03:00 – Benefits of Account Aggregation for Lenders & Consumers05:00 – Venkatesh’s Career Journey: Chola to Cognizant13:58 – Startup Inspiration from Ex-Colleagues & Industry Trends17:30 – Applying for the RBI AA License20:25m – Financial Planning Before Starting Up22:14 – Hard Truths & Lessons for New EntrepreneursIf you're building in fintech, curious about open banking, or considering your own startup journey, this episode is packed with real-world insights and advice.🔔 Subscribe to Fintech Ki Baat Dil Se for more founder-led conversations in India's fintech ecosystem.