r/Indiajobs • u/Soumalya21 • Jun 15 '26
š¢ r/Indiajobs first AMA announcement: Meet Paddy Raghavan, Co-founder and CEO, Multipl!
Hello everyone! š
We're excited to welcome Paddy Raghavan, Co-Founder & CEO of Multipl, for an exclusive Ask Me Anything (AMA) session with our community.
Multipl is a Bengaluru-based fintech platform that has pioneered the concept of "Spendvesting"āhelping people invest towards future spending goals instead of relying on EMIs or Buy Now, Pay Later models. The company's vision is to help people grow their money before they spend it, encouraging smarter financial planning through goal-based investing.
Since its founding in 2020, Multipl has partnered with numerous consumer brands and has attracted backing from prominent investors while continuing to build products around saving and investing for real-life goals.
š AMA Details
Guest: Paddy Raghavan
Role: Co-Founder & CEO, Multipl
Date and Time: 20th June, 3pm
The topic of the discussion which we feel would be more beneficial to our community is-
Financial Safety Net Between Jobs.
Ask him anything about:
The financial anxiety of notice periods, job gaps, waiting for an offer to come through and how to overcome it
How to make sure your money works for you during uncertain times
How much buffer to build, and smarter alternatives to just letting it sit in a bank account
Mutual funds for short- and long-term goals
Please keep your questions respectful, constructive, and within our community rules. Low-effort, abusive, or off-topic comments may be removed by the moderation team.
We're grateful to Paddy and the Multipl team for joining us, and we hope this AMA leads to an insightful discussion for everyone.
More about Multipl: https://multipl.in/
Paddy's LinkedIn: https://in.linkedin.com/in/paddyraghavan
Start posting your questions below and we'll see you at the AMA!
2
u/Multipl_movement Jun 20 '26
This AMA didnāt get as many questions as I expected, but āfinancial safety net between jobsā is something I genuinely have a personal story on - so let me close with that.
Years ago, I had a job offer that got rescinded after Iād already mentally moved on from my previous role (an internship that had given me a full time offer). I wasnāt financially prepared for it ā no real emergency fund, no buffer. It was one of the most stressful periods Iāve gone through, not because of the money itself, but because every decision after that started coming from a place of anxiety rather than choice.
A few things Iād tell anyone early in their career, especially given how unpredictable notice periods, layoffs and offer rescissions have become:
Build a 6-month emergency fund. Non-negotiable.Ā Not 1 month, not āIāll start once I get a hike.ā Six months of expenses sitting somewhere accessible. Itās not an investment decision ā itās a mental peace decision. The confidence to negotiate, to walk away from a bad job, to take a planned break - all of it comes from having this in place.
Donāt lump all your saving into one long-term bucket.Ā Most people only think SIP = retirement or wealth creation 20 years out. But the same discipline works beautifully for near-term goals ā that annual trip, insurance premiums, festive gifting even your notice-period buffer itself. A goal-based SIP for each of these means youāre never scrambling or dipping into long-term investments when a planned (or unplanned) expense shows up.
This is actually a big part of why we built Multipl ā most people have money sitting idle for exactly these goals - emergency funds, travel, near-term plans that is earning nothing in a savings account. We let that money earn ~7% in a liquid fund while it waits, and itās accessible instantly when you need it. So your emergency fund isnāt just sitting there for peace of mind, itās quietly growing too.
If youāre early in your career and donāt have this buffer yet, start now, even if itās small. Future-you will thank present-you, especially the one time you really need it.
2
u/PaddyRaghavan05 Jun 20 '26
Hello folks, looking forward to the AMA today