DIRTY Truth Behind Indian Banking & Financial Services - Mobikwik's Upasana Taku | FO125 Raj Shamani

[@Rockwo2459]

Muza ya samj nahi aata..... Papa phd...... Every one literate.... Studied in NIT........mother and father is working in may be in near in 2002 afford forigen travel ,stuied abroad then ..... .... How come ur simple middle class person..... Its ok if u say ur from Rich class.......... No middle class afford that...even today......... I think it is articulated story because of IPO launching

[@ashwinkale6561]

Bhai IPO matlab apna dimag ka load hatana.. sabse zada social isi moke pe hona laajmi hota hai.. bass Jo bhi hai sach hona chahiye

[@akashsharma4006]

Bhai itna bhi sach nahi bolna tha

[@apoorv2498]

Main gareeb hu bolke sympathy lena h, maximum stories me yahi hota h

[@pradeepsinghmanola4626]

Middle Class has 2 sub classes, 1. Lower Middle class 2. Upper Middle Class She falls in 2nd one

[@TheKraftco]

5 lakh saving padhai me lagane Jab bahen ka contact California me bola 😅 me bhi sochra tha ki fir shyd hum middle class bhi nhi hai 😅

[@rinkalchheda7566]

I loved how she got scholarships without any Godfather as middle class .she really gave new path to indian students who want to study but can't due to financial issue. Hats off to her. Thank u Raj ji ,pls share such more idea for new generations

[@adesignerlife]

This lady is phenomenal very inspiring❤please get more people like her

[@kamalinfinix]

she is scam master

[@Shaludilse]

Raj Shamani, what a podcast man. I have watched 2 podcast of urs and both are so knowledgeable. You ask really deep questions which are helping India's youth to grow. Thankx a lot Raj. Number 1 podcast in india.❤

[@umavuruputuri559]

commendable attitude of Upasana ji. What a term she used - " Democratisation of financial services". Thanks for bringing out such video that talks about financial awareness. 👏👏👏👏

[@yadupandey]

Just because MobiKwik is failure that doesn’t mean financial systems is bad

[@meenaljain5357]

Loved this interview so so much. Such a powerful message. Loved her clarity of thought and where she wants to take her company. So inspiring.

[@ashwinkale6561]

Ashneer Grover bhi aisa hai

[@manikandanmenon5554]

G😂😊😂😂

[@manikandanmenon5554]

G😂😊😂😂

[@manikandanmenon5554]

G😂😊😂😂

[@rajeshshetty5252]

Upasana. Answer was very beautiful and simple. I liked it

[@ankitagrawalgeneral]

really great discussion...

[@SatishChaudhari-e6z]

Mobikwik is kind of trap once you in for any wallet sanction (my case only 25k), they won't stop reporting in cibil even if you not use it.... customer care not responding for closure. Looks hyped story......anyways loves Raj Shamani podcast ....no doubt

[@sajithanand]

Her vision is very clear. How to cater to the 80% of the population is the greatest opportunity.

[@venkateshakula700]

She is talking of giving loans to rural, yet they are charging 36% interest per annum, People know this if you are using app

[@chancan1186]

It's not a loan, it's a trap. Only Banks are serving the people when compared to these fintech companies

[@charudutt9106]

her attitude and approach towards women equality and remarkable take on women empowerment in INDIA in its true sense is commendable. Not unlike some pseudo feminists who cries out that women are not rising in male dominant sectors due to lack of opportunities. Her thoughts on objectification of women as a beauty piece only ' the story she narrated of the so called magazine editor' shows that she believes creating her own destiny than asking others to pave them for women.

[@NagarajBadiger-r9w]

This podcast is much better than many movies. Highly motivational 🔥

[@Harsh-u7t6w]

Delhi NCR-based fintech unicorn MobiKwik's net loss fell 35% in the financial year ended March 31, 2023. The startup reported a net loss of INR 83.8 Cr in the financial year 2022-23 (FY23) as against a loss of INR 128.1 Cr in the previous fiscal year. The startup's net loss stood at INR 110 Cr in FY21. Business? SERIOUSLY?? 😅

[@Bijay.Kumar.Behera]

Bhai IPO ka aysa hai ki jo company product manufacture karti hai woh faida de pati hai, par woh company jo khud comission pe jinda ho woh khud ke liye kya rakhegi tumhe kya degi.

[@akbarshaikh9399]

I like the challenge and struggle Upasana had in her US journey and Risk taking appetitie she had of landing in US and struggling till last day of Stanford University . She is really a Brave woman and Risk taking. I find her Journey very inspiring

[@priyasharma5274]

Seriously loved this podcast & attitude of both the people in this conversation

[@25070410]

Very good interview. Just a suggestion, can you please add English captions for all interviews.

[@prashantbhoite2687]

How come 80 million accounts is 60/70% Indians .please look at age criteria for opening bank account .

[@ramji_ki_katha]

In simple words "Saas Bahu Bahar Khel lena, idhar kaam kar le". Very informative podcast.

[@kanikaKD6]

One of the best podcasts. How beautifully & logically She has elaborated everything. Really knowledgeable.

[@laxmandandekar7983]

Cdma phones were used in 2003 2004 by me also. Tata indicom and relience were the companies to launch CDMA tech mobiles for your info.

[@NeelamSharma23500]

True...

[@VikasKumar-md9bn]

Crystal clear thoughts and positive vision, very nice to hear thanks

[@sunilkumaryadav9620]

since mobikwik collects customer data and mostly all this data is financial in nature including personal data which is classified and falls under privacy norm what guarantee does mobikwik gives that it does not sell this data to other companies? where are mobikwik servers located? who in this organisation has access to all this data? what are the precautions taken by mobikwik to defend the data breach?

[@udaybodas6769]

New discovery : Until the great madam arrived, the Indian banking system has failed miserably…. Someone who is born in digital world, doesn’t know what was the situation before…. Or is this earth shattering eye ball catching misleading caption originated by Raj Shamani….

[@veronicadasilva8893]

Amazing real life story. More power to women in general. God bless!

[@Mahadev...9533]

Your videos have been incredibly beneficial 😊 Thankyou for producing the podcasts.

[@Vik470]

Brutally honest interview = "We are living in a bubble", "need to change the society", "need more women in work place", "best negotiations are the Win-Win ones", "real indian villages are very different from US villages, hence what works there will not work here."...

[@nivruthidevusunkara7955]

Raj, I like your work, as requested by you I shared this with at least 300 people apart from my own kith and kin.

[@AjayKumar-en9ue]

This podcast is really helpful. People should be more aware regarding their finance. Thank you for this podcast

[@rajshamani]

glad you found it helpful🙌

[@arvindawasthi8222]

I appreciate this lady for her clarity of her business in Indian ecosystem. Good to hear her.

[@aparanand7787]

Lady Ashneer Grover, but no doubt she is so talented and knowledgeable

[@meenakshikashinath8394]

Very inspiring podcast.Hats off to the grit and hardwork of Upasana. Only wish the title of the podcast was not so negative.

[@payeldutta4014]

Loved her attitude!!! Especially her take on working women!!! There's a lot to be done!! Please have her back!! Thank you

[@munnancs]

she is right , these people actually dont get loans easily .बहुत प्रेरणादायक !

[@namanbansal465]

The research part that your team did about Upasana being a good negotiator was a nice bit. More elements like these where you pick up one expertise of the guest and asking them a few tips on those qualities is something that’s a practical way for the listeners to learn from. Looking forward to more female entrepreneurs. 👍

[@rajshamani]

Thank you for the feedback, will definitely keep this in mind 🙌

[@Secular_Indian]

Mam when you force employees in india to come to office and force them to struggle daily in shit compact cities and traffic and after seeing this havoc when they come to office they work after a rest they work than you expect productivity lol 😅 ... In WFH we connect dedicatedly for sometime and work and than do independent work so mam please understand from employees point of view Remote is future.

[@nik66619]

​@@rajshamaniHello Raj, thank you for bringing female entrepreneur's interview.. My suggestion is some podcast if you bring highlights on how women stayed strong in the time they r 33+ still single focusing on career yet has to struggle a lot with society question on marriage n biological clock.. City like Blr workplace listening to such questions or men themselves questions our identity n ask why u r single is sometime putting ourselves low... How women leaders deal with it if can be covered

[@mujiibrehman]

Extremely informative and right attitude of moving forward. I hope many women inspire.

[@LalitKarnwal]

32:00 yes digitalisation is very much needed . But she is wrong - branch banking is self sustained model here in India with greatest PnL ever in history . Plus like gramin banks and cooperative societies are easily available for local for their financial needs . Real Bharat like 70%of people are operating via branch and cooperative societies only . India will take another decade for transformation in digitalisation in impactful manner to cater those markets . Education is primarily very much essential to enabling this .

[@Rajmata-d9w]

I am subscribing this channel after watching this podcast, in August 2024. Thank you Raj Shamani. Many thousand Indians like me need more such inspiring interviews. Big fan of achievers like Upasna Taku. Never knew about her before. Credit goes to Raj of course

[@xyzcyz8951]

The best thing is u give meaningful definition of the words. And the colors and texture is meaningful tooo.

[@mathaithomas2816]

3.11- Stanford kaise pahunchey? ( This Hindi is becoming crazy?) In school I was taught (1970s)-" Aap Stanford kaisey pahunchi?" What do you call this - modern Hindi?? tapori? bollywood? pahunchi for women and pahuncha or pahunchey for men

[@mathaithomas2816]

17.38-Jo main India aayi? ( correct Hindi / )

[@mathaithomas2816]

Upasana's Hindi is Hindi ; Raj's is Bollywood Hindi

[@sagarikaroy6737]

You are very good Raj

[@krytzgaming5752]

she is so smart and full of knowledge

[@leosantu84]

The first 15 minutes of the episode is very nice. Later on arrogant wording of her is not imagined. I think upsana you deserve all the applause for your hard work. But The american style of downplaying every body is not expected. Further, you are telling that india banking system has looted the people. I can proudly say that Indian Public Sector banks has contributed a lot to the society than private ones. Here PSU ka moto is not only profits but also service. You people use the word service but you dont implement it.

[@AnantSing]

Her evolution seems to be full of LUCK.

[@vipulverma10]

Ye madam ji bol rahi hain ki loan aapko hamare se abhi chahiye toh nahi milega, pehle aapko 1 year tak inka mobile app use karna hoga taaki poori profile ban paye. Aur ye current banking system ko bekaar bol rahi hain. Zara Villages mein ja karke govt. Banks ki condition dekh lo, fir baat karo. Aaj kal 2-3 days mein loan ho jata hai, aur zyaadatar subsidy wala loan bhi. Jisme subsidy around 25% mil jaati hai, jo ki inke case mein possible hi nahi hai.

[@hptyagi6632]

Excellent girl ..grt respect to such women who are self made and achieve a place

[@subhashmahandru1504]

The Confidence She is expressing, coupled with the Educational Background she has is Appreciated. My very best Wishes... (CA. SUBHASH MAHANDRU,Age 70).

[@sridevichinnam8711]

Beautiful podcast. Will wait for IPO. Inspired

[@kgovindarajan2388]

Very balanced & practical views, the sky is the limit for such entrepreneurs in the country!

[@aneksingh4496]

Very good podcast..pls keep your podcasts in Hindi as this one 😊

[@TheMangz1611]

So i “have” to thank my sister- sadly shows how grateful you are with having everything.. may god bless you

[@tanmayyadav6827]

Best in the business 💯No Cap❤

[@rajshamani]

thanks bhai

[@124tripathi4]

Upasana it was lovely to hear you ...

[@addmad99]

Banking system ke bare mein galat info diya. Every business merchant in India can (those that have physical shop) easily get ₹100k-₹250k without much paper work with bank. If they have consistent business receipts and bills, inventory, plant, etc. they can get large credit limits 10lacs, 20 lacs, upto crores (depends upon business size). If they have verh small business like minimum inventory, rented shop - they can also get 50k credit limit from their local banks. I have disbursed many such limits. Infact, govt banks are forced by their management to disburse these loans. Also, regarding woman workforce : faltu ka lecture de rhe hein. Men are better multi-tasker and better at negotiations. So everything coming out of those two's mouth is not truth. Stop treating them as gods.

[@AnantSing]

Full video is full of unrealistic cringe.

[@satyam1089]

This lady is so straightforward i just loved her. Superb mam!

[@camilolopes17]

Love the positive and thought of going forward and doing things

[@sharrdashah3807]

A fantastic podcast, just like you I am also a Fintech woman in Australia. It is so nice to meet a fellow fintech woman, who is passionate about raising and normalizing the social image of women. We should not have to fight so hard, but we are….

[@ShivamSingh-gc6pm]

Very informative and Inspiring video❤ really loved the content.......

[@russiav15]

Raj, from last 5-10 videos you have improved a lot..rating you as a good content creator..keep growing..kudos..

[@ashrafshabaz7730]

For me this is one of the best podcast.. Although baki saare podcast bhi kaafi inspirational & knowledgeable hai... i would definitely support her strong opinion on women empowerment for the better growth of our country GDP but for that hume ladkiyo ki psychology badalni bahut zaruri hai ki " koi nahi college toh katam ho gaya ab mom dad koi accha naukri ya business man se shaadi krwa de ab life settle" but this psychic has to change and so we need more such content to change the perspective of Indian women who is enough capable to lead the world.

[@SubscriptionPostbox]

What a relief and joy to see successful women on this podcast!! It is so very essential for young boys and girls to see women role models also to develop a balanced mindset and have a check on their own biases.

[@rajshamani]

I totally agree with this and glad you liked the podcast🙌

[@pgjybbtqnrqehbkffbntwnhph2924]

For that we do not need successful but arrogant men or women. For check on bias we need successful and humble men or women. Not every successful person is not inspiration, ifnhe has tantrums and hyper attitude

[@Dineshkumar-yj8ok]

Raj, I loved listening each word from Upasana’ encyclopaedic reservoir of knowledge and the confidence. I haven’t seen in many top techies with a social mind and concern to make inclusive advancement. PLEASE CONVEY APPRECIATION🙏

[@PreetiSingh-xg5pm]

such a cool & powerful person....all power to her...loved her n i hav downloaded her app...

[@DevSingh-p7s]

I like her confidence and boldness in her conversation and the way she was expressing her ideas and looking for IPO…I will be the first person to by her company shares….Best wishes

[@priyadarshiyadava7392]

Very Knowledgeable and inspiring. But the title is so misleading. The speaker took great pains to explain the problems which the traditional banking system faces in providing small loans and how the tech companies can solve it and work with the same banks as partners. How is that problem dirty?

[@BadGuy-bb1ut]

इतनी आसानी से सफलता नहीं मिलती,Real life Problems, Family Problems, Society Issues भी discuss कर लिया करो 🙏

[@sanjaysakhalkar3813]

This is knowledgeable interview. I have not watched any interview continuously which is more than one hour. Best part is comparison of rural and urban loan disbursement. The market is so different. Upasana came back here from US having faith on Indian market is the most aspiring decision, example for many individuals in US, EU.

[@GYANBGURUNG]

I loved her style of talking so familiar and straight. Yaar

[@arunkumar-kk2jn]

The advice on negotiations is practical and achievable. Excellent listening

[@aa01010]

Raj Shamani -- amazing lady. Love you for having such interview.

[@bigdatatechnologiesteacher2354]

I agree about change in women mindset in india

[@praveenm6204]

She has a commitment which most people lack.. GREEEAT

[@snehalpawar6229]

Her attitude seriously dam good and the podcast is also too knowledgeable.

[@Purnama1008]

This multi tasking BS needs to stop as women’s strength. Women are good at managing teams, so Complex analysis, have sharp intellect and compassion. They have excellent intuition. So India get on with opening your minds. She is absolutely right. Thank🍁you for having Upasana.

[@rajenderprasad5764]

Banking ka kya dirty truth hai Mr.?

[@shantilata2997]

Such a strong person she is...want more content like this

[@pritalpawdeyeragi241]

Loved this woman and her Attitude. Yo!!!

[@malikaa148]

After this interview, mobikwik will increase its customer base.Totally Impressed by her fintech mindset

[@rajendranagori]

Very much interesting😊

[@SANJAYTHAKUR-cy3ml]

very impressive women and inspired by Upasana's confidence and clarity of thought and in particular deadly Hindi 😀👌

[@lailasiddiqui263]

11:05 - What she says is very true - if we manually scout for scholarships and be persistent, we will get a schol. I did too. And these are the days we didnt get loans from banks. We just have to open our mouth and ASK.

[@maddym8779]

Loved this podcast❤ and nice to learn new things

[@thevinayakmlt]

Please try to add initially given subtitle to the whole video, which might help the viewers a lot.

[@ritika408]

best attitude and powerful very much informative podcast ,

[@kanikaKD6]

One of the main reasons why Banks donot give loans to everyone because its a risky process. Some might return the loan or some may not. Then BANK faces NPA issue. Which has imapacted banking industry the most. Mostly Agriculture, MSME loans comes in Risky category

[@ritaranee4787]

Gives only to the cheats who flee india or Bharat

[@lailasiddiqui263]

that was why banks fell in 2007 .the sub prime mortgage crisis

[@cjairaj]

Few days back a friend of mine was browsing on my iPad and came upon a podcast by you about SRK, mediocrity personified, and was complaining when will our educated lot become mature. It was then I made my comments upon this podcast which I normally don’t do. But today again I would like to say something after I stumbled upon this podcast on Upasna. This a kind of subjective and substantive podcast you should always broach not only to enhance the knowledge of tech and non tech world of your followers but also yours even, don’t indulge in mediocrity n personify it. I have nothing against people like SRK, in fact they are phenomenally financial success persons, but what they do is exemplar in mediocrity. Quality n substance about anything is always appreciated. Keep it up n all the best.👍

[@manishbarua2084]

Superb interaction...

[@sanjaymahajan7702]

Very inspiring . Huge respect for Upasna Taku

[@ArjunSingh-bg4js]

In rural and three tier area recovery of the loan is very tough. NPA ratio will be so high, it may be ruined entire business.

[@saifsyedmohammad3769]

bahut badhiya interview

[@serveryogi]

Can you tell us why PayPal has exchange rates very low compared to the market rates.

[@FireNFights]

Mobikwik is not a growing company anymore

[@Ujjawal_YouTube]

Whenever I watch any video or podcast, whenever I listen some unknown term or word I pause the video there and search for that particular term or word, what is meaning of that but since I am looking that videos and podcast on this channel provides small note about any unknown or new term or word below that is amazing while watching videos on this channel, It makes watch experience better. Thank You 😊

[@Secular_Indian]

Mam when you force employees in india to come to office and force them to struggle daily in shit compact cities and traffic and after seeing this havoc when they come to office they work after a rest they work than you expect productivity lol 😅 ... In WFH we connect dedicatedly for sometime and work and than do independent work so mam please understand from employees point of view Remote is future.

[@BlueOcean_Deep]

Yaar ye society ka dahi kar diya hai, aaj se 20-30 saal baad dekhenge ki hum log peeche dekhenge ki hamnei life mein really kya enjoy kiya....bas kamaya kamaya kamaya. Ye sab consumer based economy ki chehel pehel hai .... ab sabko kaam karavao, kaam hai nahi, sunne mein accha lagta hai....modern society mein chatar patar baatein karo....koi kabhi nahi bolega ki bhai aam taur pe families ki life hell hai....koi nahi bolega.... medical problem, pregnancy problem, family problem, quality of life in general and mental health...decades fly and we dont realise .....I am not being pessimistic but realistic and with foresight...... So anyone challenging, pl keep your idea to yourself and live as you wish....be free!

[@satishmantripragada6889]

Quite a genuine story! Enjoyed it 👍

[@fukun001]

Without bank these fintechs are nothing

[@sampatk8392]

Really very useful interview she is very motive lady most practical and simple all the best

[@hellobrother6099]

as a finance domain student i can learned many things from her . brave women

[@narayanramprasad4487]

कितने स्टार्ट अप फेल हुए है। बिना इन्वेस्टमेंट का बिज़नेस बताए।