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In this episode of The ThirdLane Podcast, we sit down with Madurai Veeran — investor, market practitioner, and one of the few voices breaking down Indian finance without sugar-coating reality.
From managing his daughter’s portfolio to reallocating capital away from equity before 2026, Madurai Veeran walks us through how money actually behaves — across FDs, bonds, real estate, and Indian markets — and why most retail investors misunderstand risk, safety, and returns.
We dive into:
– How Madurai Veeran allocates money across generations
– What Gen Z gets wrong about investing
– Why celebrities and high-net-worth individuals play a different tax game
– India’s real inflation problem — beyond CPI numbers
– Why fixed deposits quietly fail long-term investors
– How bonds really work (without jargon or myths)
– Secured vs unsecured bonds — risks nobody explains
– Role of credit rating agencies & debenture trustees
– Probability vs severity of investment risk
– The reality of real estate appreciation, loans, and scams
– Repo rate impact on bonds — explained simply
– Why Madurai Veeran believes bonds are misunderstood, not boring
– Practical advice for new investors and people aged 36+
This conversation is not about chasing returns.
It’s about preserving capital, understanding risk, and making decisions that survive time — not trends.
Connect with Madurai Veeran:
YouTube: @MaduraiVeeranMoneyCoach
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👋 About the Host:
If this is your first time here – welcome.
I’m Epaphra – a storyteller, content creator, and someone passionate about helping people discover real opportunities. Through videos, podcasts, and writing, I share transformative insights, practical strategies, and powerful stories to help you grow, take action, and build a life filled with purpose.
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Timestamps:
00:00:00 – Trailer
00:03:00 – Introduction
00:03:30 – Madurai Veeran’s Daughter’s Investment Portfolio
00:05:20 – Madurai Veeran’s Advice for Gen Z
00:06:43 – Madurai Veeran on How Celebrities Avoid Taxes
00:07:12 – Madurai Veeran on Dubai’s Real Estate Growth
00:08:23 – Madurai Veeran’s Current Portfolio Growth
00:10:43 – Why Madurai Veeran Allocated Money to Bonds
00:14:11 – Madurai Veeran on the Psychology of Indian Investors
00:15:41 – Madurai Veeran’s Views on Fixed Income
00:17:00 – Disadvantages of Fixed Deposits (FDs)
00:22:42 – Madurai Veeran on India’s Inflation
00:24:01 – Madurai Veeran Teaches How to Invest in Bonds
00:33:08 – Madurai Veeran on Real Estate Inflation
00:36:20 – Madurai Veeran on Real Estate Scams
00:38:03 – Reality of Real Estate Loans Explained
00:40:31 – Madurai Veeran’s Advice for People Aged 36+
00:41:42 – Madurai Veeran Explains Bonds in Detail
00:44:04 – Indian Markets After the Harshad Mehta Scam
00:45:40 – Role of Credit Rating Agencies & Debenture Trustees
00:47:42 – Who Is a Senior Bondholder?
00:49:34 – Pros and Cons of Secured vs Unsecured Bonds
00:51:03 – Madurai Veeran’s View on Investment Risk
00:53:14 – Probability vs Severity of Investment Risks
00:56:15 – Role of Debenture Trustees in Bonds (Explained)
00:57:50 – Why Madurai Veeran Believes Bonds Are the Best
00:58:54 – Clarifying the Bond Selling Process
01:02:57 – How Taxation Works in Bonds
01:06:25 – Madurai Veeran’s Advice for New Investors
01:09:00 – Repo Rate Impact on Bonds Explained
01:10:35 – Repo Rate Masterclass by Madurai Veeran
01:20:50 – Madurai Veeran’s New YouTube Venture
01:25:50 – Episode Summary
01:26:38 – Closing Note
source
@epaphraa
Check out India Bonds → Complete KYC and start investing:
https://www.indiabonds.com/explore/?utm_source=epaphra_vid_1&utm_medium=youtube&utm_campaign=epaphra_pd
@JanakiramanA-l7l
Bro I am having a question regarding secured bonds . If the company needs to provide assets statement which should be more than the called loan amount then what is the need for senior and subordinates???
@MaatriYosi
Very good topic, if you possible one video for direct plan vs regular plan how it work for SWP.
Thank you
@guruusha
Excellent tutorial
@geetham1302
Hats off to ths video and madurai veeran sir..yaarum indha maari explain panna mudayathu
@praveen1540
worth watching.
@jinnamohammed1324
Super excellent podcast for Financial all details….
@rajam3041
IndiaBonds is a private financial technology company and a SEBI-registered online bond platform provider. It is not an Indian government entity.
Its purpose is to provide a platform where investors can buy various types of bonds, including those issued by the Indian government and private corporations.
@baskars4093
Highly insightful and informative. Learned lot. Thanks
@parameshm3802
Eye opening interview 🔥
@MahaSri-z3z
Bro one doubt namma ena bond amount tharamo Atha nammaku monthly interest ok va…ena benefits iruku i don't understand
@hardfactindian
Adhellam sari anna verum 12 class pass panni neenga 6 crores epdi setheenga sonnengana poor people benefit avanga please help pannunga
@MonishNagarajan
The way you askiing questions is awesome and your communication, body language , voice all are unique and satisfies the viewers. Keep rocking
@anandhans5079
தலைவா super solluringa….you are dean of the money coach….
@happygilmor1
Mr Madurai Veeran's story is amazing….he is a self made person. full respect for the discipline and hard work he had put to achieve what he achieved so far… I think we should stop at that… for a India employed person earning in INR these numbers are large and not easily achievable… so Mr Madurai Veeran should avoid boasting about his riches and how successful he is.. everyone has a journey and not all will make the same money..while his story is awesome over doing the boasting part should be avoided….
@AlbertArulPrakashRajendran
மதுரகார அண்ணன் ஒருநாள் பெரிய ஸ்காமரா வெளிய வருவார். அப்போ பேசலாம்
@killaicdm8585
அருமை yana விளக்கம் வாழ்த்துக்கள்
@saravanandoraiswamy
Good video to save and share with family and friends
@Mars____25
Thank you madhurai veera❤
@harishnarayan5813
Sir what u said is good
Bond's are better than real estate
Mutual funds are better than bonds
I am investing in mire asset large cap from 2010
Portifolio consists of blue chip companies
Tcs, reliance, hdfc infosys etc etc
Mutual funds are better than bond's, 100 %
U will get more than 12 to 14 % interest in long term
@asif.m2920
Just india bond ad video 😂
@mohamedirshaathm32123
Peak content on bonds ,FD, and repo rates. And how they all are connected with inflation of money.
@maheshmudaliyar4602
Send
@PappuKumary2U2
Sir
@harishm8461
I have a doubt about bonds , as he said bonds with assets will be checked if the asset is 1.5 times the required amount , and it will be checked by a lot of people , why should they do it , what does the one who does all these checks get out of this , how can we trust that they are doing a good job on checking it ?
what if they themselves are corrupted , how should I trust an online platform which is easily manipulatable , this is just a question no offense , Open to any type of answers
@pachaiyappanaismk2991
Super sir❤
@Janajermy
❤
@srinivaskatta1907
Well explained. Thank you
@bulletPondy
Son sip Portfolio will increase but my Capital value will decrease due to inflation
@bulletPondy
Nicely explained
@Narutouzumakitachi2
Guys, ivanayum full ah trust pannathinga 😭 niraya peru blind ah follow panringa athelam thappu. Ivan bond than safe safe nu ella video layum koovuraan. Bond layum neraya risk iruku atha pathi ivan sollave maateenguran. Particular bond ah promote panna than pakuran. Don't trust him blindly. Oru naal ivanum adi vaanga than poran for sure
@karthickarumugam5316
One of Best video i ever seen in 2025 explained clearly. Got a clear image of financials
Thank you both of you
@vigneshwaran1516
most of the secured bonds gives return same as FD. MFs, ETFs and gold better options
@melvinlourdes151
Patu sir accusing him of taking money and promoting bonds ..
@pss2978
I agree that buying bonds directly can yield better returns, but it's important to remember that the risk is relatively higher compared to FDs. While FDs offer lower returns, the major difference lies in the safety net; reputable banks act as the backbone of India's economy and the government historically intervenes to protect depositors during losses. That said, diversification is key for long-term growth, and for those prioritizing safety, you can actually cover up to ₹15 lakhs by splitting your FDs across three different banks (₹5 lakh insurance per bank via DICGC)—definitely a point to verify before making a final decision."
@fabcreations7179
🎉
@karthicmurugan3566
Well explained 👏👏
@nareshrathnam
I guess this video is sponsored. If sponspored, they could have added #ad hashtag or somewhere they could have mentioned this.
@EaswaranDevaraj
What if he is bluffimg about his portfolio
@HarishIndia123
@Madurai Veeran you can talk in Tamil no issues, don’t have to struggle so much to project yourself as English literate, only content matters, you can talk confidently in Tamil
@HarishIndia123
Utter nonsense, Rera doesn’t regulate the price
@HarishIndia123
Horrible English … 🥶
@HarishIndia123
Almost 50% information provided here is wrong, he’s misleading by hiding many facts.
@gokulpsgmz1
Madhurai Veeran , don't spread mis information on FD. Bank is helping you to reduce risk by spreading the investment across bonds and absorbing any bond failures. RBI regulates the banks such that big banks never fail. FD is low risk compared to bonds. You are saying buy a bond for 10 % for 10 years (mostly these bonds will have min 5 to 10 lakh capital). If the company fails, you loose every thing. The civil cases run for 20 years before the bank liquidates the assets and gives you money. Pls bring in some one who has seen through bond failures. People who has not seen bond failures (like this person) will spread mis information. bring in Anand srinivasan and Pattu who can tell you what is the risk in bonds vs FD.
@HarishIndia123
This fellow is paid by Wint Wealth app for promotion, highly fraudulent person
@srinibusinessman4523
He is having clear vision and knowledge about finance ❤
@SanjayKumar-t3n1p
I have come to an conclusion that. Bond is a money that we are giving to some people are company as loan in tamil they say as (kadan or vati) called as interest in which our money is purely safe but interest may vary.
@vinodhsastri
This guy will be definitely be banned by SEBI and regulators. Everything he says is false. Bond investments are not as easy as he says. Please consult a financial advisor before taking any calls. He says he is not a financial advisor but you feel that if you dont do what he says you are a failed person.. Mr. Pattu (Freefincl) has put an exclusive video for him
@Ramya-i8f
OMG I can understand All these am just 19😅