Ep – 71
15 Jan 2026
In this episode of Simple Hai!, our co-founder and editor-in-chief, Vivek Law, speaks with Umesh Mohanan, Executive Director & CEO of Indel Money, to break down the real role of gold in personal finance and why gold loans continue to hold deep relevance in India.
Mohanan explains a simple truth: every asset must serve a purpose. While gold is often seen as emotional or traditional wealth, this conversation explores what gold actually does during a crisis. Can it provide liquidity when cash is needed most? Can it support families when income is disrupted?
The discussion traces how gold pricing in India has changed over time. Festivals like Diwali and Akshaya Tritiya once drove demand, but today gold prices are influenced by global factors such as the American economy, geopolitical tensions, currency movements, and even the rise of Bitcoin. These forces have strengthened gold’s position as a global safe-haven asset.
Mohanan also explains why gold loans are unique. Unlike most loans, underwriting is done on the ornament, not the borrower. In a system where missed EMIs can shut off access to credit, gold loans operate on trust from both the lender and the borrower.
This episode offers clear insight into gold’s role in modern finance, liquidity in times of stress, and why gold continues to remain relevant across generations.
Watch now.
#SimpleHai #GoldInvestment #GoldLoans #IndianFinance #SafeHavenAsset #WealthPlanning #FinancialLiteracy #IndianInvestors #PersonalFinance #financepodcast
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