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India is growing. But why does the average Indian still feel stuck? In this conversation with Saurabh Mukherjea, we break down what’s really happening to India’s middle class — from stagnant incomes and rising debt to job uncertainty and changing financial behaviour. Based on real data, field research, and on-ground stories, this episode explores: - Why people earning ₹5 lakh to ₹1 crore feel stuck - How automation is silently reducing salaries - Why India’s middle class is taking on more debt than ever before - The hidden impact of UPI and easy credit - Why people are taking loans for…

Bharatvaarta

by Bharatvaarta · English · News

Bharatvaarta podcast is a commentary on politics, policy and culture focused on India. The podcast brings together people from different walks of life who have varied and interesting perspectives on what's happening around us.

More from Bharatvaarta

  1. 29 May 2026 · 1 hr 4 min

    A Former Ambassador Reveals What Happens Inside India's Toughest Global Negotiations | Mohan Kumar

    The post-WW2 world order is dead. The UN doesn't work. The WTO can't function. Multilateralism has collapsed. And the world is now in a dangerous "interregnum" — a period of fragmentation, conflict, and competing alliances where every country is fighting to shape what comes next. So what does this mean for India? In this conversation with Roshan Cariappa, Ambassador Dr. Mohan Kumar — Former Indian Ambassador to France and Bahrain, India's lead negotiator at the WTO/GATT for nearly a decade, Professor of Diplomatic Practice at OP Jindal Global University, and Chairman of RIS — takes us inside…

  2. 22 May 2026 · 1 hr 18 min

    "India Has 25 Years To Grow Rich Before It Grows Old " — Neelkanth Mishra, EAC-PM | Bharatvaarta

    India has 20–25 years. After that, the demographic window closes. That is the central claim of this conversation. India is racing to do in 50–60 years what the West did in 150–200. To grow rich before it grows old. To become a developed economy while still a democracy — something almost no large country has ever managed. In this Bharatvaarta conversation, Roshan Cariappa sits down with Neelkanth Mishra — Member of the Economic Advisory Council to the Prime Minister, Chief Economist at Axis Bank, and one of India's most respected voices on the economy — to ask the question that very few…

  3. 16 May 2026 · 1 hr 21 min

    🤯How PM Modi Won, Deepfake Politics & India's AI Race 🚨| Shashi Shekhar Vempati

    This is about How BJP Pulled Off The Biggest Political Comeback Of Our Generation! Behind the historic BJP victory wasn't just a charismatic leader — it was a small group of professionals who quietly built India's first real digital election machine. Shashi Shekhar Vempati was one of them. A decade later, he became the first non-bureaucrat CEO of Prasar Bharati, took on India's biggest media reform challenge, and is now one of the most important voices on India's AI future — co-founding AI4India and recently appointed Chairperson of the Central Board of Film Certification (CBFC). This isn't…

  4. 8 May 2026 · 1 hr 45 min

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  5. 7 May 2026 · 1 hr 9 min

    Is India Repeating Its Biggest Historical Mistake🤯 | Vivek Raghavan, Maker of Aadhaar, CEO Sarvam AI

    India is the 2nd largest user of ChatGPT in the world. We are also the largest FREE user of ChatGPT! So what are we really doing? "We're exporting our data and importing intelligence — exactly like we used to export cotton and import cloth." — Vivek Raghavan This isn't just a tech conversation. It's about whether India sits at the AI table or gets dictated to from outside. 👉 If you use ChatGPT, Gemini, or Claude every day — this episode is for you. 👉 If you're a 22-year-old engineer wondering where to focus — this episode is for you. 👉 If you care about how India navigates the next 10…

  6. 8 Apr 2026 · 1 hr 4 min

    Story of Maharani Tarabai - Maratha Queen who Defeated Aurangzeb | Medha Bhaskaran

    After the execution of Chhatrapati Sambhaji Maharaj, the Maratha Empire stood on the brink of collapse. Leadership was uncertain. The Mughals were advancing. And the idea of Swaraj seemed close to fading. But history didn’t unfold the way it was expected to. In this conversation, Medha Bhaskaran — author of Queen Tara: Kali of the Deccan — joins Bharatvaarta to trace the rise of Maharani Tarabai, a leader who emerged from the margins of power to take charge in one of the most critical moments in Indian history. We explore how Tarabai, initially far removed from succession, became a “destiny…

  7. 9 Oct 2026 · 45 minNew

    Why Are Insurance Commissions Becoming a National Debate? | Monika Halan

    What really happens to your money when you buy an insurance policy in India? Monika Halan explains - and it’s a question the whole industry is suddenly being forced to answer. Insurance mis-selling is finally India’s biggest money debate. IRDAI’s new consultation paper has capped commissions, exposed how insurance is really sold - and sent stocks like PolicyBazaar crashing. Monika Halan explains what it all means for your money. For over 20 years, Monika Halan has warned about how insurance is mis-sold in India - and now the regulator’s own data is proving her right. In this conversation…

  8. 3 Oct 2026 · 1 hr 12 min

    If AI Changes How We Work, How Do You Stay Relevant? Manish Sabharwal

    India doesn't have a jobs problem. It has a wages problem. That reframe from Manish Sabharwal sets up one of our sharpest conversations on why India keeps producing record numbers of graduates who still feel stuck - and what a young person should actually do about it. Roshan Cariappa sits down with Manish Sabharwal - co-founder of TeamLease and Ashoka University - to ask questions that are useful at any age: government job, private job, or building your own thing? And in a world where AI can do the "quick and dirty" first draft, what keeps a human relevant? They get into India's 200-year-old…

  9. 29 Sep 2026 · 27 min

    What Is the Real Business Model Behind AI? Ft. Vivek Raghan, Co-Founder Sarvam AI

    AI is getting better. AI models are getting more capable. And yet, in many cases, the cost of using AI keeps falling. So… who is actually paying for all of this? In this conversation, Roshan Cariappa sits down with Vivek Raghavan, Co-founder of Sarvam AI, to unpack one of the biggest questions around the AI boom: what is the real business model behind AI? We talk about why companies can spend billions building AI and still offer powerful models to users at little or no upfront cost. What exactly are we giving up when we use “free” AI? And if India is among the world's biggest users of AI,…

  10. 18 Sep 2026 · 30 min

    If God is Formless, Why Do Hindus Worship So many Idols? Ft. Ami Ganatra

    Who is a Hindu? And what does it really mean to be one? Many of us grew up calling ourselves Hindu, but the deeper we look, the more questions emerge. Is Hinduism a religion or a way of life? How did the gods and deities we worship today evolve? And what ideas hold together such a diverse philosophical tradition? In this conversation, Roshan Cariappa sits down with author Ami to explore the foundations of the Hindu worldview — from karma, rebirth and moksha to dharma, the cosmic order, questioning, pluralism and the evolution of Hindu deities. The conversation also looks at how Vedic gods…

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