Latest news with #HowtheWealthyBorrowtoWin
Time of India
3 days ago
- Business
- Time of India
CA Vishnu Gupta & CA Prakhar Gupta launches book titled ‘How the Wealthy Borrow to Win'
CA Vishnu Gupta and CA Prakhar Gupta launched their debut book, How the Wealthy Borrow to Win , amidst an audience of 400+ business owners, CAs, and dignitaries. The evening opened with the ceremonial unveiling, followed by a keynote where the authors decoded the strategies wealthy entrepreneurs use to raise capital confidently — turning debt into a growth lever, not a distress move. The event drew guests not only from Indore, but also from Mumbai, Delhi, Chandigarh, Assam, Bangalore, Puducherry, Chennai, Hyderabad, Pune, Jabalpur, Bhopal, Raipur, Surat, Gurugram, Jaipur, and even from abroad. CA Vishnu Gupta, a veteran of 30+ years in funding, has guided some of Central India's most iconic business journeys with his strategic clarity, ethical foundations, and mastery of banking systems. From conducting high-impact audits to enabling multi-crore corporate funding, his voice carries rare credibility. At the launch event, he shared, 'Funding is not about documents. It's about clarity, timing, and trust. ' CA Prakhar Gupta, at a mere age of 25, brings fresh energy and insight. An All India Ranker in CA, IIM Indore Executive alumnus and former EY associate, he represents a new lens of financial strategy. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like If you have a mouse, play this game for 1 minute Navy Quest Undo 'Borrowing isn't risky. Borrowing without structure is,' he said. With sharp articulation and grounded empathy, he now leads VSP Consultants' mission to help 10,000 businesses unlock capital — with confidence. The book launch also featured keynote addresses from the Chief Guests: Suresh Prabhu, India's former Union Minister across railways, power, commerce and civil aviation — a statesman respected globally for his clarity and vision — and Vinod Agrawal, managing director, Agrawal Coal Corporation, and a stalwart industrialist. How the Wealthy Borrow to Win is a practical guide for entrepreneurs who want to design debt with foresight. It simplifies lender logic, breaks common myths, and introduces structured thinking around capital. With case studies, checklists, and mental models, it equips ambitious founders to raise funds smartly, ethically, and effectively. The book has already been endorsed by business and financial luminaries including Dilip Suryavanshi, Dilip Buildcon, Manoharlalji Agrawal, Haldiram's, Padma Shri CA T.N. Manoharan, and Brij Mohan Sharma, ex-Executive Director, Canara Bank. The evening concluded with a heartfelt vote of thanks, where the authors acknowledged their mentors, clients, team, and families — and invited India's entrepreneurs to see finance not just as numbers, but as a mindset shift.
Economic Times
4 days ago
- Business
- Economic Times
How the wealthy use debt to get richer, two CAs explain
Agencies The wealthy, they point out, focus more on return on capital than cost of capital In a growing shift in India's business mindset, financial experts have highlighted how the wealthy utilise debt as a tool to grow faster, build larger enterprises, and create long-term wealth. Chartered Accountants Vishnu Gupta and Prakhar Gupta, both project funding specialists, say that while most business owners avoid borrowing due to fear or lack of knowledge, India's top entrepreneurs have long used structured debt to expand operations and capture new markets. They argue that the right kind of borrowing, when aligned with business growth, can become a key driver of success. Debt as leverage, not liability According to them, the main difference between how average businesses and wealthy businesses operate lies in their use of capital. 'Entrepreneurs stay small not because they lack ideas but because they rely only on what's in their bank account,' said CA Vishnu Gupta. 'The wealthy don't use their own money to build empires, they use other people's money in a structured, planned way.'This approach, they say, allows them to access larger projects, hire talent, and scale faster without diluting ownership or waiting for profits to build up over time. Why avoiding debt can limit growth CA Prakhar Gupta explained that many small and medium-sized businesses (MSMEs) in India stay cautious about loans due to fears of financial stress or past bad experiences. However, he added that debt, when matched with cash flow and growth plans, is not a burden. 'Borrowing is not about desperation. It's about direction,' he said. 'If you borrow with a clear outcome and repayment strategy, you can build assets, grow revenue, and lead your industry.' CAs Vishnu Gupta and Prakhar Gupta, who have recently launched their debut book — How the Wealthy Borrow to Win — argue that access to capital is no longer the problem; awareness and mindset are. Many entrepreneurs continue to run profitable but under-scaled businesses because they are unwilling to take calculated financial from wealthy business ownersThe wealthy, they point out, focus more on return on capital than cost of capital. 'They measure every rupee borrowed by what it can generate,' said CA Vishnu Gupta. 'If taking a ₹1 crore loan helps build a ₹5 crore revenue stream in two years, that's good borrowing.'They also use instruments like project loans, asset-backed finance, and revenue-based funding. Importantly, they structure these borrowings in a way that matches the lifecycle of the business and its risk profile. Strategic borrowing is a skill The two experts say financial institutions are ready to lend to businesses with clear plans, strong execution, and predictable cash flows. What's often missing is the skill to plan that borrowing believe India's family-owned businesses, service professionals like doctors and architects, and even startup founders can benefit from adopting a more structured approach to borrowing. 'It's not about taking on more debt. It's about using the right debt, at the right time, for the right reasons,' said CA Prakhar Gupta. A shift in thinking for Indian businesses The conversation around debt is slowly changing in India, especially among younger entrepreneurs and second-generation business leaders. But the experts believe much more awareness is needed.'Smart borrowing separates companies that grow from those that stall,' said CA Vishnu Gupta. 'It's time Indian entrepreneurs stop treating debt as a danger and start treating it as a driver.'
Time of India
4 days ago
- Business
- Time of India
How the wealthy use debt to get richer, two CAs explain
In a growing shift in India's business mindset, financial experts have highlighted how the wealthy utilise debt as a tool to grow faster, build larger enterprises, and create long-term wealth. Chartered Accountants Vishnu Gupta and Prakhar Gupta, both project funding specialists, say that while most business owners avoid borrowing due to fear or lack of knowledge, India's top entrepreneurs have long used structured debt to expand operations and capture new markets. They argue that the right kind of borrowing, when aligned with business growth, can become a key driver of success. Debt as leverage, not liability Explore courses from Top Institutes in Select a Course Category Digital Marketing MCA MBA Healthcare Leadership Design Thinking Public Policy Data Science Operations Management Technology Management Project Management Degree Data Science others Cybersecurity Product Management Artificial Intelligence PGDM Finance CXO Others healthcare Data Analytics Skills you'll gain: Digital Marketing Strategies Customer Journey Mapping Paid Advertising Campaign Management Emerging Technologies in Digital Marketing Duration: 12 Weeks Indian School of Business Digital Marketing and Analytics Starts on May 14, 2024 Get Details Skills you'll gain: Digital Marketing Strategy Search Engine Optimization (SEO) & Content Marketing Social Media Marketing & Advertising Data Analytics & Measurement Duration: 24 Weeks Indian School of Business Professional Certificate Programme in Digital Marketing Starts on Jun 26, 2024 Get Details According to them, the main difference between how average businesses and wealthy businesses operate lies in their use of capital. 'Entrepreneurs stay small not because they lack ideas but because they rely only on what's in their bank account,' said CA Vishnu Gupta. 'The wealthy don't use their own money to build empires, they use other people's money in a structured, planned way.' This approach, they say, allows them to access larger projects, hire talent, and scale faster without diluting ownership or waiting for profits to build up over time. Why avoiding debt can limit growth CA Prakhar Gupta explained that many small and medium-sized businesses (MSMEs) in India stay cautious about loans due to fears of financial stress or past bad experiences. However, he added that debt, when matched with cash flow and growth plans, is not a burden. 'Borrowing is not about desperation. It's about direction,' he said. 'If you borrow with a clear outcome and repayment strategy, you can build assets, grow revenue, and lead your industry.' Live Events CAs Vishnu Gupta and Prakhar Gupta, who have recently launched their debut book — How the Wealthy Borrow to Win — argue that access to capital is no longer the problem; awareness and mindset are. Many entrepreneurs continue to run profitable but under-scaled businesses because they are unwilling to take calculated financial risks. Lessons from wealthy business owners The wealthy, they point out, focus more on return on capital than cost of capital. 'They measure every rupee borrowed by what it can generate,' said CA Vishnu Gupta. 'If taking a ₹1 crore loan helps build a ₹5 crore revenue stream in two years, that's good borrowing.' They also use instruments like project loans, asset-backed finance, and revenue-based funding. Importantly, they structure these borrowings in a way that matches the lifecycle of the business and its risk profile. Strategic borrowing is a skill The two experts say financial institutions are ready to lend to businesses with clear plans, strong execution, and predictable cash flows. What's often missing is the skill to plan that borrowing correctly. They believe India's family-owned businesses, service professionals like doctors and architects, and even startup founders can benefit from adopting a more structured approach to borrowing. 'It's not about taking on more debt. It's about using the right debt, at the right time, for the right reasons,' said CA Prakhar Gupta. A shift in thinking for Indian businesses The conversation around debt is slowly changing in India, especially among younger entrepreneurs and second-generation business leaders. But the experts believe much more awareness is needed. 'Smart borrowing separates companies that grow from those that stall,' said CA Vishnu Gupta. 'It's time Indian entrepreneurs stop treating debt as a danger and start treating it as a driver.'
Business Standard
4 days ago
- Business
- Business Standard
"How the Wealthy Borrow to Win" Book Launched by CA Vishnu Gupta & CA Prakhar Gupta in Indore With 400+ Business Leaders
VMPL Indore (Madhya Pradesh) [India], July 21: CA Vishnu Gupta and CA Prakhar Gupta launched their debut book "How the Wealthy Borrow to Win" amidst an audience of 400+ business owners, CAs, and dignitaries. The evening opened with the ceremonial unveiling, followed by a keynote where the authors decoded the strategies wealthy entrepreneurs use to raise capital confidently -- turning debt into a growth lever, not a distress move. The event drew guests not only from Indore, but also from Mumbai, Delhi, Chandigarh, Assam, Bangalore, Pondicherry, Chennai, Hyderabad, Pune, Jabalpur, Bhopal, Raipur, Surat, Gurugram, Jaipur, and even abroad. CA Vishnu Gupta, a veteran of 30+ years in funding, has guided some of Central India's most iconic business journeys with his strategic clarity, ethical foundations, and mastery of banking systems. From conducting high-impact audits to enabling multi-crore corporate funding, his voice carries rare credibility. He shared, "Funding is not about documents. It's about clarity, timing, and trust." CA Prakhar Gupta, at a mere age of 25, brings fresh energy & insight. An All-India Ranker in CA, IIM Indore Executive alumni & former EY associate, he represents new lens of financial strategy. "Borrowing isn't risky. Borrowing without structure is," he shared. With sharp articulation & grounded empathy, he now leads VSP Consultant's mission to help 10,000 businesses unlock capital -- with confidence. The book launch also featured keynote addresses from Chief Guests: Shri Suresh Prabhu, India's former Union Minister across Railways, Power, Commerce and Civil Aviation -- a statesman respected globally for his clarity and vision. Shri Vinod Agrawal ji, Managing Director, Agrawal Coal Corporation, and a stalwart industrialist. How the Wealthy Borrow to Win is a practical guide for entrepreneurs who want to design debt with foresight. It simplifies lender logic, breaks common myths, and introduces structured thinking around capital. With case studies, checklists, and mental models, it equips ambitious founders to raise funds smartly, ethically, and effectively. The book has already been endorsed by business and financial luminaries including Dilip Suryavanshi, Dilip Buildcon, Manoharlalji Agrawal, Haldiram's, Padma Shri CA T.N. Manoharan, Brij Mohan Sharma, Ex-Executive Director, Canara Bank. The evening concluded with a heartfelt vote of thanks, where the authors acknowledged their mentors, clients, team, and families -- and invited India's entrepreneurs to see finance not just as numbers, but as a mindset shift.
Mint
5 days ago
- Business
- Mint
Business & Finance Leaders Gather in Indore for Launch of 'How the Wealthy Borrow to Win'
Indore (Madhya Pradesh) [India], July 21: CA Vishnu Gupta and CA Prakhar Gupta launched their debut book 'How the Wealthy Borrow to Win' amidst an audience of 400+ business owners, CAs, and dignitaries. The evening opened with the ceremonial unveiling, followed by a keynote where the authors decoded the strategies wealthy entrepreneurs use to raise capital confidently — turning debt into a growth lever, not a distress move. The event drew guests not only from Indore, but also from Mumbai, Delhi, Chandigarh, Assam, Bangalore, Pondicherry, Chennai, Hyderabad, Pune, Jabalpur, Bhopal, Raipur, Surat, Gurugram, Jaipur, and even abroad. CA Vishnu Gupta, a veteran of 30+ years in funding, has guided some of Central India's most iconic business journeys with his strategic clarity, ethical foundations, and mastery of banking systems. From conducting high-impact audits to enabling multi-crore corporate funding, his voice carries rare credibility. He shared, 'Funding is not about documents. It's about clarity, timing, and trust.' CA Prakhar Gupta, at a mere age of 25, brings fresh energy & insight. An All India Ranker in CA, IIM Indore Executive alumni & former EY associate, he represents new lens of financial strategy. 'Borrowing isn't risky. Borrowing without structure is,' he shared. With sharp articulation & grounded empathy, he now leads VSP Consultant's mission to help 10,000 businesses unlock capital — with confidence. The book launch also featured keynote addresses from Chief Guests: Shri Suresh Prabhu, India's former Union Minister across Railways, Power, Commerce and Civil Aviation — a statesman respected globally for his clarity and vision. Shri Vinod Agrawal ji, Managing Director, Agrawal Coal Corporation, and a stalwart industrialist. How the Wealthy Borrow to Win is a practical guide for entrepreneurs who want to design debt with foresight. It simplifies lender logic, breaks common myths, and introduces structured thinking around capital. With case studies, checklists, and mental models, it equips ambitious founders to raise funds smartly, ethically, and effectively. The book has already been endorsed by business and financial luminaries including Dilip Suryavanshi, Dilip Buildcon, Manoharlalji Agrawal, Haldiram's, Padma Shri CA T.N. Manoharan, Brij Mohan Sharma, Ex-Executive Director, Canara Bank. The evening concluded with a heartfelt vote of thanks, where the authors acknowledged their mentors, clients, team, and families — and invited India's entrepreneurs to see finance not just as numbers, but as a mindset shift. Note to readers: This article is part of Mint's paid consumer connect Initiative. Mint assumes no editorial involvement or responsibility for errors, omissions, or content accuracy. Want to get your story featured as above? click here!
