Kushal Lodha is a Finance Content Creator, Podcaster and an Author.   

He is a qualified Chartered Accountant with All India Ranks across all levels of CA Exams. He has cleared all levels of CFA and is an ACCA affiliate (World Rank 3). 

He was working in the Investment Team at Aditya Birla Ventures, the Venture Capital arm of Aditya Birla Group. Prior to that, he was an EA to the Chief Economist of Aditya Birla Group. 

He is passionate about the creator economy and loves to chat about this space. He has scaled his social media presence to over 1.2M+ followers cumulatively. He runs a podcast titled 'Konversation with Kushal' where he interviews several industry stalwarts.

He is the author of 'Acing CA', and 'Unlocking Unicorn Secrets', #1 Best Seller on Amazon. 

If you want to collaborate with him, please reach out to collab@kushallodha.in.

If you'd like to reach out to him, feel free to drop him an email at ksl@kushallodha.in.

Kushal Lodha

He was sending job applications at 2 A.M. while his roommates slept.

Every morning, the same email. "We regret to inform you..."

No name. No human. Just a machine rejecting him.

Madurai Veeran figured out why.

Companies receive 2,000 CVs. HR feeds keywords into an ATS software. 

Only matching CVs get shortlisted. The rest get an auto-rejection. No human ever even opens them.

So he did something nobody told him to do.

He copied the exact job description of every role he applied for. Pasted it on the last page of his CV. Font size 6. White color.

To any human - the page looked blank.

To the ATS - it was a perfect match.

No more rejection emails.

He went on to switch 13-14 jobs, going from ₹15,000 a month to ₹10 lakhs a month.

He said it best himself: "You are giving the decision to a machine. It is my job to beat the machine."

What are some hacks you are using to get your CV past the ATS system? Let me know in the comments.

#linkedin #linkedinforcreators #careers #jobsearch #motivation #inspiration #kushallodha

Podcaster | Forbes Top 100 Digital Creators | Bestselling Author | Rankholder CA, Cleared All 3 Levels of CFA Exam, ACCA | LinkedIn Top Voice

He joined me as an intern 2.5 years back, and has now been placed in Amazon at Rs. 30LPA+ CTC!

He was the national topper in his CUET exam, scoring 100%ile in 5 subjects. 

He will now graduate from SRCC, the best commerce college in India. 

When I had reached out to him on LinkedIn and asked if he knows anyone who’s looking for an internship, he immediately volunteered and said he’d love to join me as an intern. 

What started as a 3 months internship ended up being a 2.5 years long journey. 

He’s Ayushmaan Bhatra. 

I always tell everyone that GenZs are big fan of hustle culture, and he truly proves that. 
He has his own education consultancy startup, works with me and helps in my content strategy, participates and wins lot of case competition – and so on!

Of course, a lot of people inspire me – but he’s one in my team who surely inspires a lot – even if he has high fever, he would complete the task despite me asking him not to complete :)

I really think that the new generation is not lazy, it’s just that they need some direction and they’ll surely figure things on their own.

Wish you the best Ayushmaan!

#linkedin #linkedinforcreators #employee #internship #kushallodha

Most people think doing an MBA from Harvard or Stanford costs over ₹2,00,00,000 and leaves you trapped in massive debt. 

But the hidden reality of financial aid will completely shock you.

On my podcast, Muskaan Sancheti broke down the exact math behind studying at top global business schools:

-> The total cost of attending a top US B-School like Harvard or Stanford is around $250,000 across 2 years ($125,000 per year, with $80,000-85,000 per year being the tuition and rest being other expenses).

-> But these top tier colleges offer massive need based financial aid which is calculated based on your relative family income and purchasing power.

-> Because Indian incomes are relatively lower compared to Americans, Indian students natively qualify for high scholarships.

-> Muskaan secured a massive 100% scholarship on her tuition fees at Harvard & around 75 to 80% at Stanford.

-> For the remaining living costs, top colleges directly connect you with their lending partners for low interest student loans ranging from 4 to 8 percent.

-> Even the median salary after the MBA is around $185,000, allowing you to break even by 1.5 to 2 years.

What is your absolute dream business school? Let me know in the comments.

#linkedin #linkedinforcreators #mba #harvard #stanford #gmat #kushallodha

She secured an All India Rank 48 in CA Inter and joined the M&A Tax team at Deloitte.

She cracked the entire recruitment process via LinkedIn without personal contacts. She's none other than Noor Bagga.

She completed her articleship at KNAV India and is currently an Industrial Trainee in Equity Research at Arihant Capital.

She moved from Ajmer to Mumbai and built a 20,000+ following on LinkedIn by writing about her articleship experiences. She's none other than Juhi Manwani. 

He chose a small size firm and worked with CP Lohia & Co across both CFO & general departments. 

He once pitched his firm’s services to 100+ startups including CEOs and MDs as a substitute for his principal. He's none other than ABHAY JAIN. 

In the latest episode of Konversation with Kushal, we discussed the roadmap for every CA student:

-> In Depth discussion between Big 4, Mid Size & Small Size firm and how to get such opportunities 

-> Stipend range across small size, mid size & Big 4 firms from ₹6,000 to ₹25,000 with firm-wise data

-> Entire interview process as well as exact questions asked and how one can set themselves apart through confidence and extra-curriculars 

-> Shocking experiences of some students in articleship including toxic work culture, transfer struggle for Industrial Training etc. 

This episode is powered by Groww.

#linkedin #linkedinforcreators #ca #articleship #big4 #career #kushallodha

She came from a small town in Rajasthan with absolutely zero CA background in her family.

She had multiple attempts in her CA Inter exams and had no rank.

But despite all odds, she gave 25 interviews without a single reference and cracked top CA firms! 

She is none other than Juhi Manwani, and her persistence completely blew my mind.

While most students cry over failing an attempt, she used rejection as her biggest stepping stone.

Here is the exact framework she used to beat rankers:

-> Her very first interview at a startup firm was a disaster. They aggressively grilled her on Revenue Recognition, Leases, and PE/PB ratios, and she was rejected 

-> Instead of giving up, she sent over 100 cold emails and LinkedIn messages to employees & partners just to secure more interviews

-> She realized she needed to strictly study the Job Description. For her BDO interview, she specifically prepared Transfer Pricing & Tax, and for Grant Thornton (GT), she mastered basic Accounting Standards (AS) for a Statutory Audit role

-> She cracked KNAV's Global Tax role by tackling tough questions on Deferred Taxes, Current Taxes, and Permanent vs. Temporary differences

-> To compensate for her multiple attempts, she built a massive "Extra-Curricular" column. She used her experience in school & ICAI regional competitions to show genuine confidence 

The result? She secured a great role at KNAV and even got an interview call from EY just a month later! 

She proved that a CA attempt is not the end of your career.

Resilience and hyper-targeted preparation can beat a ranker's CV any day.

What do you think about this strategy? Let me know in the comments.

#linkedin #linkedinforcreators #ca #articleship #career #kushallodha

Should you move to Mumbai for a CA Articleship?

Here's the detailed breakdown based on my discussion with 3 CA Final students on my podcast:

-> Income:

- Big 4 Firms - ₹15,000/month (Year 1) & ₹20,000/month (Year 2) 

- Mid-size Firms - ₹10,000 to ₹17,500 per month

- Small-size Firms - ₹6,000 to ₹8,000 per month 

-> Expenses: 

- One of the students (Juhi Manwani) shared that if you relocate to Mumbai, you need a bare minimum of ₹25,000 a month just to survive.

- Her exact fixed expenses: 

1. Rent for a shared flat : ₹10,500
2. Basic groceries : ₹2,000-₹3,000
3. Electricity : ₹1,000-₹2,000
4. Traveling - ₹1,000 - ₹2,000

Because of this brutal math, most outstation students are left with zero savings and often have to ask their parents for money to cover medical or discretionary expenses.

I asked Juhi if it was actually worth it for her to go to Mumbai and deal with that massive added expense.

She firmly said yes.

She explained that Mumbai gives you unmatched corporate exposure, and she credited her decision to move to Mumbai as the only reason she has reached where she has reached today.

Short-term financial pain in your early 20s can set you up for massive growth and a completely different career trajectory for the rest of your life.

What do you think? Let me know in the comments.

Juhi Manwani Noor Bagga ABHAY JAIN

#linkedin #linkedinorcreators #CA #articleship #mumbai #big4 #career #kushallodha

Sunday mornings used to be for sleeping in.

Now they're my favourite day of the month.

This weekend, the 9:15 Club met again at my place — and it was something else.

Young investors flew in from Pune, Hyderabad, Nashik, and across Maharashtra. All in their 20s. All obsessed with markets. All showing up on a Sunday morning with stock ideas, notebooks, and an energy that most boardrooms never see.

Our guest this time was Sudhir Bheda Sir of Bheda Family Office.

The format was simple and brutal: each young investor had to pitch 1 stock idea — directly to Sudhir Sir. No slides. No fluff. Just conviction, thesis, and numbers.

What followed was one of the most intellectually alive rooms I've been in.

This is what 9:15 Club is about.

Not webinars. Not reels. Real conversations, real ideas, real mentorship — every single month.

If you're between 18–25, love markets, and want to be part of a community that takes investing seriously:

👉 Fill this form and join us: https://lnkd.in/dMTdnRxG

Varun Amol Sanghavi and I will screen the applications, and add you to the group if you are selected. 

Next month's Sunday morning is already booked. Is yours?

#linkedin #linkedinforcreators #finance #investing #stockmarkets #kushallodha

He started with ₹10 Lakhs and lost 25% of his capital in the first 6 months.

He grew his capital by 10x in the next 3 years, thereby reaching a ₹1 Crore milestone.

He shares that it takes around 5 years for an amateur trader to become profitable.

He also shares that traders looking to go full time should have a capital of ₹10 Lakhs for young traders and ₹25 Lakhs for adults with families.

He is none other than CA Vivek Bajaj, co-founder at StockEdge and Elearnmarkets.

In the latest episode of Konversation with Kushal, we discussed the roadmap for investing & trading: 

-> Why he refuses to touch any stock trading below its 200 day moving average 

-> Building generational wealth through Mother Stocks by investing in parent holding companies that have massive value to unlock

-> His formula to find winning stocks where Earnings (E) and Price Momentum (mc²) are in perfect alignment

This episode is powered by Groww.

#linkedin #linkedinforcreators #trading #stocks #wealth #momentuminvesting #kushallodha

He attended classes at 7 A.M., worked all day during his CA articleship, and then studied late night. 

He never quit his hobbies and actively managed college, sports, and singing during this intense period. 

He believes the brutal hours of CA training is the best preparation for running a business.

He is none other than the legendary investor Manish Chokhani. 

On my podcast, he broke down his Chartered Accountancy journey:

-> His father clearly told him to treat the CA course not as a tool to seek a safe job but as the ultimate preparation to build and run a business. 

-> He linked the intense CA journey to Malcolm Gladwell's famous 10,000 hours of practice rule and explained how CA permanently hardwires financial numbers directly into your brain.

-> Even today he can walk out of a company meeting and completely visualize their exact P&L, balance sheet, and cash flow right in his mind. 

-> During his first bank audit, he finished the entire work alone in just 10 to 11 days, shocking his seniors with the remarkable speed. 

-> He deliberately focused on internal audits instead of statutory audits to learn the systems & processes required to scale a company.

CA is not just an academic degree. 

It is the ultimate training ground for building extreme resilience and business mastery.

What do you think about this? Let me know in the comments.

#linkedin #linkedinforcreators #ca #careers #business #kushallodha

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He scaled his portfolio from ₹1.5 to 2 Crores to around ~₹75 Crores in just ~5 years.

His portfolio then crashed from ₹75 Crores to ~₹4.5 Crores due to a management related blunder. 

He then bounced back from the 2020 lockdown, reaching a ₹100+ Crore portfolio through high conviction bets like IOL Chemicals & Pharmaceuticals and Neuland Laboratories. 

He believes that Silver is a minimum 10x opportunity over the next 15–20 years.

He is none other than Piyush Mutha, an ace investor with a strong conviction through his remarkable journey. 

In the latest episode of Konversation with Kushal, we discussed the roadmap for the next decade of wealth:

-> Why India is set to become the global manufacturing hub for Pharma, mirroring the explosive IT export boom of the 2000s.

-> Moving beyond ratios to assess management based on his experience and analysing whether a promoter is walking the talk.

-> Why should parents build a 15 to 20 year portfolio for their children exclusively in small-caps & how his daughter's mutual fund grew 3x in under 2 years.

This episode is powered by Groww.

#linkedin #linkedinforcreators #investing #stockmarket #multibagger #wealth #kushallodha

He spends 4 hours every day diving deep into geopolitics to qualify his views in an ever changing world.

He predicts that any money carefully invested in specific stocks over the next 5 to 7 years will generate serious long-term wealth.

He warns that the Strait of Malacca can be the next global choke point for 70% of world trade in the next 3 years.

He also reveals how Agentic AI and social media apps are being turned into weapons.

He is none other than Mr. Karan Datta, the former Chief Business Officer at Axis Mutual Fund as well as a deep thinker at the intersection of geopolitics and markets.

In the latest episode of Konversation with Kushal, we engaged in a hard hitting conversation on war, terrorism, and their real economic consequences. We discussed the roadmap for the next decade:

-> Why India is playing a unique role by talking to both Israel and Iran, keeping diplomatic doors open while securing its energy interests.

-> How India is managing the oil crisis by potentially returning to 60% Russian oil imports to stabilize domestic prices.

-> How your phone is now a weapon because of how companies like Palantir use data to redefine target identification.

This episode is powered by Groww.

#linkedin #linkedinforcreators #geopolitics #stockmarket #economy #war #kushallodha

He has been investing in the Indian stock markets for over 33 years, with over 20% CAGR over the last two decades.

His recent returns between January 2014 to January 2026 have been even higher at a CAGR of 29.85%.

His investment in a chemical company (Balaji Amines) in 2004 went up as high as 650x.

He made an 80x return in Shilchar Technologies Ltd. in just 3 to 4 years by identifying the transformer super cycle early.

He is none other than Mr. Jiten Parmar, the co-founder of Aurum Capital.

In the latest episode of Konversation with Kushal, we explored a masterclass on identifying market crashes and navigating complex business cycles. We discussed the roadmap for the next market cycle:

-> Why the Price-to-Earnings (PE) ratio is useless for cyclical stocks and why you should focus on Price-to-Book or Replacement Cost instead.

-> The art of Pessimism Investing by putting a foot in the door when a sector is most hated and watching for Promoter Buying as a reversal signal.

-> Why the worst might be over for the Paper industry as imports decrease and domestic raw material integration begins to yield results.

From his father's life-changing HUL and Tata Motors IPO investments to why he avoids the FOMO trap at all costs, this episode is a blueprint for peaceful and profitable investing.

This episode is powered by Groww.

#linkedin #linkedinforcreators #valueinvesting #stockmarket #marketcycle #kushallodha

Mahindra Finance

Branch Credit Manager

HDFC Bank

Sanctioning of Mortgage Loans of Self-employed Personal & corporate entities.
-Analyzing Financial Statement and Business of Clients and thereby assessing their credit worthiness.
-Generating Financial statement analysis Models
- Analytical Report writing for high value loans
-Managing and training of Business
Sourcing channels
-Managing Filed Credit Investigation Team
-Assisting in credit Policy/Guidelines Framing

Manager

Management Trainee

HDFC Limited

Hemant Jog Associates

Done Tax Audit of various proprietors , partnership firms & private limited companies.

Article Assistant

CA Ulhas Borse & Co.

Experienced in Statutory & Concurrent Audit of Nationalized & Cooperative Bank.
Involved in internal audit of Manufacturing entity (subsidiary of MNC).

I’m Chartered Accountant having wide range of experience in credit underwriting.
Currently I’m working in Mahindra Finance as credit underwriter in mortgages.

Key Responsibilities handled :

*Evaluated loan applications and financial documents to assess creditworthiness.
*Analyzed credit reports, income statements, and financial ratios to determine risk levels.
*Made informed decisions on loan approvals, modifications, and denials in compliance with company policies and regulations.
*Prepared detailed underwriting reports to support lending decisions and communicate findings to management.
*Stayed updated on industry trends and changes in regulations affecting credit risk assessment.

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CA Pritesh Shinde

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The Battle

Kushal Lodha

CA Pritesh Shinde

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Kushal Lodha's LinkedIn Performance

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