Ep – 67
04 Dec 2025
In this edition of Simple Hai!, our editor-in-chief Vivek Law speaks to Rohit Bhasin, President and Chief Marketing Officer at Kotak Mahindra Bank, who brings a fresh, consumer-first perspective to India’s financial services industry after a highly successful global career at Unilever. Drawing on 25 years of building some of the world’s most iconic FMCG brands, Bhasin explains why finance must shift from a supply-driven approach to a demand-led, insight-driven model.
Bhasin contrasts consumer goods penetration with financial products: while soap reaches nearly every home in India, mutual fund penetration is still under 10%, fixed deposits are adopted by only 15% of account holders, and insurance penetration is around 2%. He argues that this gap presents one of the biggest opportunities in India today.
Through this lens, he breaks down the behavioral barriers that prevent Indians from investing and highlights why financial products must be linked to real life goals rather than abstract returns. The conversation also explores insights on affluent consumers, the role of family in financial decision-making, and the need to design products that address fundamental emotional and functional needs.
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wealthcreation #indianinvestors #longterminvesting #investing #smartinvesting #finance #money
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