NEW DELHI: Radhika Gupta, CEO of Edelweiss Mutual Fund, has consistently emphasized her thoughtful approach to wealth management. In an enlightening interview with Rohan Dua, Executive Editor of The New Indian, she offered her perspective on SIPs (Systematic Investment Plans), her personal approach to investing, and the values she wants to instill in her son and fellow Indians regarding wealth management.
She shared a wealth mantra that intertwines the principles of trust, long-term planning, financial discipline, and gratitude—not only for herself but also for investors and the next generation.
Check out the full interview:
Gupta often emphasizes the trust placed in her by millions of investors, describing it as a driving force behind her professional ethics. “In our business, I am not selling you a cup of coffee; I am not selling you a lipstick. When you become an investor with Edelweiss Mutual Fund, you get trust. It is a promise that I will manage your money in the best way possible so that your dreams come true,” she shared.
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Managing public money, as she notes, is a heavy responsibility. “It’s 1.4 lakh crores of trust of common people. This Mutual Fund doesn’t just manage the money of the rich and famous; we also have the money of the common person,” she said, reflecting the emotional connection tied to the financial aspirations of everyday investors.
For Gupta, Systematic Investment Plans (SIPs) are a cornerstone of her wealth-building strategy. On both a personal and professional level, she advocates for their role in creating financial stability. She shared, “Today, there is an SIP book of ₹22,000–23,000 crores in the country which comes through mutual funds. That means ₹2 lakh crores plus a year. I think this increase in domestic capital is very good for the country.”
SIPs, in her view, offer a reliable financial tool for Indians across all demographics, protecting the markets from global shocks. “Whenever there is a global crisis, market reactions are much less sharp because to absorb foreign selling, domestic buying is very important,” she explained, illustrating their critical role in economic resilience.
On a personal note, she invests heavily in SIPs, revealing, “It’s a large number. I would say it’s about 70% of my post-tax salary.” This demonstrates her own commitment to systematic and disciplined wealth creation.
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Gupta extends her philosophy of financial responsibility to raising her son. When asked what she would gift her son on his 18th birthday, she responded, “Actually, I think kids, including mine, have too many things. So I keep telling people even on his current birthday, don’t buy anything for him. Put the money in the bank, I will put it in mutual funds. I don’t want to buy him anything. I think he needs to grow up with gratitude.”
This focus on gratitude and meaningful financial planning reflects her belief that wealth is not just about accumulation but about fostering long-term values and stability.
Gupta often stresses the need for better financial literacy in India. “In India, there is generally less financial literacy. And how do you get trust? It comes from talking,” she remarked. She views her role as not just managing wealth but educating people about how to grow and protect it through prudent choices like SIPs, mutual funds, and consistent financial planning.
Through her wealth mantra—trust, disciplined investment through SIPs, and teaching the value of gratitude, Radhika Gupta continues to inspire millions of investors, proving that wealth creation is as much about values as it is about numbers.
