Podcast
All is Money
Hosted by Mr.Money · EN
Dedicated to explaining the most important Finance, Policy, and Business news in a simple language you'll understand.
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11episodes
Episodes
Newest firstAll episodes
The ₹30,000 Crore Plan that Flopped: Privatising Indian Passenger
Oct 1100:28:51Tap to summarizeAttempt to bring private companies on board the Indian Railways have barely worked. We dive deep into the real financial strain: Did you know the Indian Railways spends over ₹98 for every ₹100 it earns? We unpack why the 2019 grand plan to privatize 150 passenger trains failed, and explore the essential steps experts say the government must take from gradually raising fares to separating non-core functions like hospitals and schools to finally get the tracks aligned for private investors.
Transcribe →The $150 Billion Tab: The True Economic Cost of Mass Deportation
Oct 1000:24:40Tap to summarizeThe $150 Billion Bill: We dissect the true costs of 'the largest deportation effort in American history'. Explore how losing nearly 5% of the US workforce could trigger a 6.8% economic contraction, and weigh political promises against the logistical and financial nightmare of mass removal
Transcribe →What’s cooking with Gold ETFs in India?
Oct 900:30:18Tap to summarizeThe rise of Gold ETFs in India: Discussing how physical gold held by these funds nearly doubled from 27 tonnes to 55 tonnes by October 2024, and how domestic Gold ETFs attracted ₹12,450 crores in net inflows over 21 months.Defining Gold ETFs: Explaining that they allow ownership of gold without needing a vault, slicing gold bars into digital units that trade like shares.• Drivers of the migration: Highlighting the tax-friendly nudge introduced in the 2024 Union Budget, which slashed the long-term capital gains holding period from 36 months to 12 months, resulting in gains being taxed at a flat 12.5%. Other factors include the scarcity of new Sovereign Gold Bond (SGB) issues and increased allocation by multi-asset funds in India.• The drawbacks: Addressing challenges such as liquidity, tracking error (the gap between the ETF's performance and gold prices), and recurring costs like the expense ratio, brokerage fees, and transaction costs.• The strategy: Concluding that Gold ETFs should be viewed as a tool requiring balance and strategy in an investment toolkit, rather than a hero or a villain
Transcribe →Prestige Without Power: SMBC's Trade-Off Between Kotak and Control 👑 ➡️ 💪
Oct 800:32:55Tap to summarizeImagine trading a financial "masterpiece" for an unfinished project. That’s exactly what Sumitomo Mitsui Banking Corporation (SMBC)—a major Japanese banking giant—did when it walked away from its passive stake in the "flawless" Kotak Mahindra Bank to become the largest shareholder in the once-battered Yes Bank.This is the story of a classic finance dilemma: Influence over Inertia. While Kotak offered the satisfaction of owning a quality, "safer compounding machine", SMBC held "prestige without power," lacking boardroom representation or a say in strategy.Now, as a "co-author" in Yes Bank, SMBC has voting rights, two board seats, and the ability to integrate its deep roster of Japanese clients into a domestic Indian network.In this episode, we unpack the high-stakes bet:• Why did SMBC trade a premium slice of a finished franchise for a "deep-value setup" in a bank that is still rebuilding?• How does gaining governance levers and board oversight accelerate a turnaround and build market confidence?• We examine the potential for "outsized payoff" if SMBC successfully implements Japanese precision in risk teams and helps raise the average credit quality of the bank.Discover why, for strategic investors, planting a flag in a bank that can still change shape is worth the risk of volatility
Transcribe →The Magical Number: Unpacking the Secret Metric Zomato and Firstcry Rely On
Oct 700:25:16Tap to summarizeWhy does every major Indian company from Zomato to Firstcry love this one "magical" figure? We dive deep into the world of corporate accounting to uncover the secret metric that helps India Inc. define its own success. We break down the massive difference between a company's adjusted profit margin and its actual profit, showing you exactly how these tech giants want you to perceive their financial health. If you want to know what's really happening on the balance sheet, tune in.
Transcribe →Shutdown Shockwave: The 750,000 Workers Now Working for Free
Oct 600:32:11Tap to summarizeWhat happens when Congress fails to fund the country? The US government shutdown is here, fueled by an acrimonious funding stand-off between the White House and Congressional Democrats. Tune in as we dissect the budget impasse sparked by the fight to restore Medicaid cuts and extend healthcare subsidies. While Members of Congress are protected and continue to get paid, we examine the fate of the federal workforce 40% of whom are now on unpaid leave. Plus, hear the latest on President Trump’s warning that this shutdown could accelerate further layoffs and his threat to target ‘Democrat Agencies’ for cuts. From frozen research grants to delayed Social Security applications, we analyze how this high-stakes political gamble affects every American.
Transcribe →Selling the Silver Road
Oct 500:41:46Tap to summarizeThe National Highways Authority of India (NHAI) faces a crisis: after aggressively borrowing, its debt soared to ₹3.35 lakh crores by 2024, leading the Finance Ministry to put a stop to fresh loans. To keep India’s road construction moving a sector seen as the backbone of infrastructure with a 3.2x multiplier effect on GDP—NHAI launched the MoRPH (Monetisation of Public Highway Assets Framework) strategy to raise thousands of crores without borrowing.But is this a "silver bullet or a silver sell-off"?We explore how NHAI is turning its ₹3.5–4 lakh crore asset base into quick cash by auctioning 20-year tolling rights (TOT), bundling roads into InvITs, and even creating public retail investment products. While this strategy has already helped reduce debt by allowing NHAI to prepay ₹56,000 crores worth of loans, it forces a hard choice: Are we trading a consistent pipeline of long-term income for a one-time payout and short-term financial relief?.Tune in to understand the dilemma: When private funds and infrastructure giants reap the benefits of decades of cash flows by collecting tolls, who pays for the next phase of construction once all the high-traffic roads are monetized?. We ask the tough questions about India's infrastructure future and whether selling assets is a sustainable financing model, or if the government is merely using taxpayer-built assets to plug a funding gap.Support ALL IS MONEY
Transcribe →Fries of Fortune
Oct 400:32:29Tap to summarizeThe global French fries market is worth around $24 billion, but just a couple of decades ago, India was a net importer of frozen potatoes. So how did a country that relied on European traders to introduce the "batata" centuries ago quietly transform into a processing giant, shipping frozen potato products worth ₹1,817 crores in FY25 nearly nine times its exports just five years prior?Join us as we peel back the layers on this massive agricultural and logistical transformation. We explore how global players like McCain Foods set up shop in Gujarat, the rise of local powerhouses like HyFun Foods, and the simple contract farming strategy that helped boost farmer incomes by an average of 75% since 2017. Discover the secrets behind the perfect golden color and crispiness, from the specialized 'Santana' and 'Frysona' potato varieties to the crucial work of Indian scientists at CPRI.From planting table potatoes to exporting specialized, low-sugar varieties that rival Europe's best, this is the fascinating story of how India went from being a net importer to supplying key markets across Southeast Asia and the Middle East, turning a humble crop into a powerful global export.Support ALL IS MONEY
Transcribe →Gold: Made in India
Oct 300:30:06Tap to summarizeIndia has an unending love story with gold, but this affection comes at a massive cost: 1,000 tonnes of gold imported every single year! Meanwhile, domestic production remains a "laughably small" 1.5 tonnes.For decades, getting to India’s hidden reserves was a "paperwork nightmare" tied up in confusing policy knots between central and state governments, making it unfeasible for companies to bid for leases.But the game has changed!This episode dives into the revolutionary 2023 Mines and Minerals Bill, which created new exploration licenses and financial incentives (like reverse bidding) to unleash the power of private miners. We unpack the story of the Jonnagiri gold project, which is not only the country’s first private gold mine but also the first new discovery since Independence under this bold new regime.Can one project hailing from the same southern gold belt where reserves largely sit boost India’s current output by 60% and set the precedent for unlocking other critical minerals?Tune in to find out how private enterprise is launching the new Indian gold rush and whether this golden pivot can finally reduce India’s dependence on costly importsSupport ALL IS MONEY
Transcribe →Why ₹40 Protein Paneer Replaced the Cheap Route
Oct 200:29:48Tap to summarizeProtein is no longer just for nutritionists or the "gym bros on social media" it’s now in your lassi, your bread, and even your Amul Kulfi (which packs 10 grams of protein). This surge in high-protein products from companies like Britannia and Amul is tackling a major health crisis: urban Indians consume a median of only 37 grams of protein daily, falling significantly short of the recommended 60 grams.But what is truly powering this rush? We explore how rising per capita income has made consumers willing to spend extra on products positioned as "healthier", providing FMCG companies with a golden opportunity to boost revenue with premium ₹30 or ₹40 variants.Join us as we ask the vital question: Are these products actually fixing India’s nutrition problem, or just monetising it? We dive into the risk of the ‘health halo’ effect—where consumers focus solely on the protein claim while ignoring potentially high sugar, carb, or fat content. Discover why a single protein snack, while beneficial, won't bridge the massive protein deficiency gap.Find out what it will take for this trend to become a genuine nutritional solution, rather than fading away like the "baked, not fried" fad of 2016Support ALL IS MONEY
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