The Flexibility in Repayment That Banks Quietly Killed Years Ago | Paisa Vaisa
About this episode
This episode explores private credit as a misunderstood investment class with insights from expert Shantanu Sahai.
What if the smartest investment in the room isn't equity and it isn't your FD either? In this episode of Paisa Vaisa, host Anupam Gupta sits down with Shantanu Sahai, Executive Director and Head of Private Credit at ASK Alternates, to break down one of the most misunderstood and fastest-growing asset classes in India Private Credit. Shantanu brings 25 years of global credit experience across Deutsche Bank, Barclays and Nomura, having structured over 300 transactions across sectors as diverse as mushrooms and flight simulators. Today he explains why private credit is not just for distressed companies, why it can generate returns from low teens all the way to 30%, and why chasing yield without understanding risk is the single biggest mistake most investors make. This conversation covers the full picture from how a customised loan works versus a bank loan, to what an AIF actually is, how interest payments flow to investors, and what happens when deals go wrong. Shantanu also shares his unfiltered view on India's K-shaped recovery, which sectors are on fire right now, and why Indian corporate balance sheets are the cleanest they have been in two decades. Whether you are an HNI…
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