Nandini Agrawal

What’s a question you wish someone would explain simply or a problem you’re struggling with right now?

I’m planning my next YouTube videos and would love your inputs. Would you like more economy explainers and business breakdowns, or help with specific challenges around money, careers or AI?

Anything beyond clearing exams! Share a specific question in the comments, it could become my next video.

1 week ago | [YT] | 221

Nandini Agrawal

This week, I did something I never expected but manifested.

Teach at Indian Institute of Management, Lucknow.

I didn’t take the conventional college route myself. So, standing there as guest faculty and delivering two sessions on AI and the future of accounting felt special. I won’t pretend otherwise :)

We spoke about how the accounting services industry is changing, what AI can and cannot do, and how to decide whether a task should be delegated to AI in the first place.

We then applied this to three real areas of work:
• Bookkeeping
• Financial statement preparation
• Financial statement analysis

I also demonstrated an offline AI bot that can work without the internet or recurring AI credits. We discussed prompting, hallucinations, risks and controls and even got into vibe coding.

The best part was the questions. There were genuine concerns about intelligence, safety and whether AI could confidently give the wrong answer. I enjoyed that the conversation was neither “AI will solve everything” nor “AI is too risky.”

It was about finding the right balance.

I’m now opening registrations for the next cohort of AI Automation for Finance, where I’ll teach how to turn painful and complex finance tasks into automated workflows that can run with minimal prompting.

Details and registration: nagrawal.com/workshops/ai-automation-finance

And if you’re looking to train your finance team on practical AI applications, feel free to DM me or email at nandini@nagrawal.com

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1 week ago | [YT] | 2,914

Nandini Agrawal

The happiest I’ve ever felt teaching AI wasn’t in a corporate workshop.
It was sitting next to my father while he was working.

When I visited home 10 days ago, I saw him spending hours on tasks he was still doing manually.

He looked at me and said, “Humein bhi AI sikha do.”

He needed to reconcile figures across GSTR-3B, GSTR-9C and the purchase register. Doing it manually would have taken him almost an entire day.
With Codex, the reconciliation was ready for his review in about five minutes.
He was awestruck.

I also introduced him to Skills and scheduled tasks. He set up daily updates on GST and income tax.
Then he asked, “But can I get these updates in Hindi?”
And, of course, he could.

That’s what excites me most about the next phase of AI. It is no longer limited to people who are fluent in English or comfortable typing detailed prompts.

Multilingual capabilities make it more accessible, while voice mode removes much of the effort involved in learning how to use it.

AI adoption won’t happen only inside large companies. It will happen when professionals like my father use it to save hours in their everyday work.
What are the top three finance tasks you would want to automate?
Share them in the comments.

The most-requested workflows will be covered in my upcoming AI Automation in Finance workshop. You can know more and register here: nagrawal.com/workshops/ai-automation-finance

Also, we are running an early bird offer which ends on 6th September. So, if you are interested, don't forget to grab the offer :)

2 weeks ago | [YT] | 4,078

Nandini Agrawal

You can now make UPI payments without internet.

PhonePe has launched UPI 123Pay for select keypad phones. It is designed for people who don’t own smartphones or have reliable mobile internet—more than 200 million feature-phone users in India.
Users can:
- Send and receive money using a mobile number or UPI ID
- Pay a shopkeeper, driver, restaurant or mall
- Scan a standard UPI QR code if the phone has a camera
- Check their bank balance and transaction history

The receiver doesn’t need PhonePe. They only need a valid UPI ID or QR code.
Currently confirmed models include:

HMD 105 2G, HMD 110 2G, Nokia 105 Classic, Nokia 105 Single SIM, Nokia 105 Dual SIM, Nokia 106, and Nokia 123 Shield

PhonePe has also announced support for select Lava and itel feature phones, although an exact model-wise list hasn’t been published yet.

To use it, the PhonePe app must be pre-installed on the phone. The user’s mobile number should be linked to their bank account, and debit-card details are currently required to activate UPI and create a UPI PIN.

But “without internet” does not mean “without network.”

The system uses SMS technology, so basic 2G connectivity is still required. A phone without a camera cannot scan QR codes, but it can still pay using a mobile number or UPI ID.

The regulatory ceiling for UPI 123Pay is ₹10,000 per transaction, although individual banks may impose lower limits.
This is also not the complete smartphone version of PhonePe. Some additional services are either unavailable or being introduced gradually.

The next phase of UPI growth may come from including people who were previously unable to access it. I'd call it a POWER MOVE!

2 weeks ago | [YT] | 309

Nandini Agrawal

I started earning at 16 with a ₹10,000 stipend. That small amount changed the way I looked at money.

Because financial freedom isn’t just about how much you earn. It’s about what you do with what you earn.

In this video, I share the 5 money rules I followed from a young age and how I gradually changed the way I saved, invested, and managed my income as it grew.

We’ll call this the 5 Money Rules Framework.

From SIPs and mutual funds to stocks, risk appetite, and saving, these are simple principles that can help you start thinking about money more intentionally, even if you’re starting small.

🎥 Watch the full video here 👇

3 weeks ago | [YT] | 225

Nandini Agrawal

Have you ever wondered if AI could replace your job?

In this video, I explore what this means for IT, accounting, customer support, data entry, and other industries, and why the goal is not to fear AI but understand where your role is vulnerable.

I share a simple 5-question framework to assess your AI risk and the skills you can build to stay relevant.

We’ll call this the AI Job Vulnerability Framework.

You’ll have a clearer idea of what AI can replace, what it cannot, and what skills you should build before AI changes your role.

🎥 Watch the full video here 👇

3 weeks ago | [YT] | 83

Nandini Agrawal

Have you ever picked up your phone just to check one notification and somehow ended up scrolling for 30–40 minutes?

You’re not alone.

In this video, I break down why staying focused has become so difficult and how dopamine, stress, and constant notifications affect your attention.

I also share 5 practical habits to improve your focus, reduce distractions, and become more productive.

You don’t need to quit your phone or social media.

The goal is to take control of your attention and build better habits.

🎥 Watch the full video here 👇

3 weeks ago | [YT] | 272

Nandini Agrawal

The safest thing you can do in a meeting is stay quiet.
It may also be the riskiest thing you can do for your career.

You knew the answer. You had the idea. You were about to say it.
Someone else said it first.

The room understood it. The discussion moved forward. They got remembered.
Not necessarily because their idea was better, but because they made it easier to understand and act on.

This becomes even more important when you disagree with someone senior.
Many people believe that constantly agreeing with their boss keeps their job safe. But there is a difference between avoiding conflict and demonstrating judgment.
Good leaders don’t need another person who simply says yes. They value people who can identify a risk, support it with evidence and suggest a better way forward.

The skill isn’t boldness. It is structured disagreement.
Instead of saying: “I don’t think we should choose this vendor.”

Try: “I understand that onboarding quickly is the priority. One concern is that this vendor has increased pricing by 12% and missed two delivery timelines. Before we sign, I suggest we compare two alternatives.”

The structure is simple: Start with the shared goal. Support your concern with evidence. Suggest a clear next step.

This works because you aren’t just opposing someone. You’re showing that you understand the objective and want to improve the decision.

Good communication isn’t about impressive vocabulary or perfect English.
It is about making your thinking easier to understand and act on.
I learned this slowly. For years, I was more confident on paper than I was in a room. After giving 50+ talks, I realised that confidence didn’t come first.
Structure did.

On 30 August, ‪@hellooipsita‬ and I are conducting a live, four-hour Communication Skills Masterclass. Ipsita is a Communication Coach and five times TEDx speaker, and this won’t be another session where you simply listen.

You’ll practise using meetings, presentations and difficult conversations you actually face at work. You’ll also receive access to the recording for six months.
If you have ever left a meeting thinking, “I knew what I wanted to say, but I couldn’t say it properly,” this workshop is designed for you.

Know more and register here: nagrawal.com/workshops/communication-masterclass

#communicationskills #presentationskills #publicspeaking #careerdevelopment

3 weeks ago (edited) | [YT] | 3,621

Nandini Agrawal

Picking a mutual fund just because it gave the highest returns last year? That could be the wrong way to choose.

The better question is: Why does this fund deserve a place in your portfolio?

In this video, I break down a simple framework to evaluate mutual funds and compare 3 popular Large & Mid Cap funds: Axis, ICICI Prudential, and HDFC.

We look beyond returns at risk, consistency, strategy, portfolio, and suitability.

Because the best fund isn’t always the one with the highest return. It’s the one you understand and can stay invested in for the long term.

For educational purposes only. Not financial advice.

🎥 Watch the full video here 👇

4 weeks ago | [YT] | 120

Nandini Agrawal

Ever wondered why perfectly written emails still get ignored?

The problem may not be your English. It may be the way your email is structured.

In this video, I break down a simple system for writing clear, professional emails that actually get replies, including the 3-Second Test and the Why, What, When framework.

Whether you're a student, fresher, or working professional, this video will help you improve your email writing, workplace communication, and professional English.

Because good communication isn’t about using big words.

It’s about being clear, simple, and easy to understand.

🎥 Watch the full video here 👇

1 month ago | [YT] | 100