Debt Investing Masterclass | Ft. Kirtan Shah | Sanjay Kathuria Podcast | EP16

In this episode of the Sanjay Kathuria Podcast, we sit down with Kirtan Shah, one of India’s most trusted voices in finance, investing, and wealth management.

Kirtan is the Founder & CEO of Credence Wealth and FPA Edutech, and a CNBC, Zee Business & ET Now regular. With deep expertise in markets, treasury, and financial education, he’s been recognized in BW 40 Under 40 and Young Entrepreneur Awards.

In this power-packed episode, Kirtan breaks down the complete Debt Fund Masterclass — explaining why Debt Funds can outperform FDs, how to analyze fund risks, and which Debt Funds to invest in 2025. Whether you’re looking for steady returns, emergency fund options, or low-risk investing, this episode will help you make smarter, safer financial decisions.

What You’ll Learn

- How Debt Funds actually work

- Why Debt Funds can beat FDs

- Tax advantages of Debt Funds

- Best Debt Funds for 2025

- Franklin Case Study & Lessons for Investors

🎬 Timestamps

00:00 – Podcast Teaser

02:58 – Guest Introduction

03:25 – Debt Funds Explained

05:51 – Terms of Promissory Note

07:25 – Debt Fund’s Risk Explained

14:30 – Types of Debt Funds

25:40 – FD Vs Liquid Funds

28:28 – Debt Fund’s Tax Benefits

30:24 – Best Fund for Emergency Fund

32:00 – Arbitrage Fund Explained

38:15 – Best Debt Funds up to 3 Years

47:05 – Debt Vs Equity Funds

57:42 – Best Debt Funds for Long Term

01:14:40 – Franklin Case Study

01:26:00 – Episode Outro

🔗 Guest Socials

Instagram: https://www.instagram.com/kirtanshahcfp

LinkedIn: https://www.linkedin.com/in/kirtanshahcfp

Twitter: https://x.com/kirtanshahcfp

📲 Sanjay Kathuria Podcast Handles

Instagram: https://www.instagram.com/sanjaykathuriapodcast

YouTube (Main): https://www.youtube.com/@sanjaykathuriapodcast

YouTube (Clips): https://www.youtube.com/@SKPClips

Facebook: https://www.facebook.com/sanjaykathuriapodcasts

🙋‍♂️ Connect with Sanjay Kathuria:

Instagram: https://www.instagram.com/financebysanjay

Facebook: https://facebook.com/financebysanjay

LinkedIn: https://linkedin.com/in/sanjaykathuria

Twitter: https://twitter.com/sanjaykathuria

YouTube: https://www.youtube.com/@Sanjay_Kathuria

🧵 Hashtags

#KirtanShah #DebtFunds #FinancialFreedom #WealthCreation #MutualFunds #SKPodcast #SanjayKathuria

🔍 SEO Tags

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⚠️ Disclaimer:

This podcast is for educational and informational purposes only. The views expressed are personal opinions and do not constitute financial or investment advice. Please consult a SEBI-registered advisor before investing.