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Ashok Sonthalia

Chief Financial Officer, Titan Company Limited

Search every verified Ashok Sonthalia interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Ashok Sonthalia, Chief Financial Officer at Titan Company Limited, appeared in two installments of the company's Gold Standard People Practices program in October 2026, discussing personal finance and employee well-being. In the October 2 session, he outlined a framework he called the "Pepsi" rule, advising employees to pay themselves first, escape expensive debt, protect themselves through emergency funds and health insurance, start saving early, and invest regularly. He cited an example in which a person saving 2,500 rupees per month from age 22 could accumulate 2.3 crore rupees by age 60 at a 12% return, compared to a later starter requiring 12,500 rupees monthly to reach the same amount. He also cautioned against sharing OTPs or PINs, stating that no government agency or bank would ever request such information. In the October 23 Tamil-language session, Sonthalia addressed financial planning for store employees, suggesting conservative savings options like bank recurring deposits or fixed deposits for short-term goals due to Public Provident Fund restrictions on liquidity. He discussed Titan's provision of one lakh rupees in medical insurance for business associate employees, adding that the company could accommodate coverage up to two or three lakhs with cooperation, and urged business associates to extend insurance to families for job security and confidence within the Titan ecosystem. He reiterated advice on starting early and investing in a disciplined manner to achieve goals such as homeownership and comfortable retirement.

Recent appearances

Verified interview transcripts

Notable quotes

“The way to think about it is that up until now our data center business has been almost entirely GPUs. Vera is our CPU, and you know what's really exciting is that Vera opens a brand new 200 billion TAM for NVIDIA, a market we have never addressed before, and every major hyperscaler is partnering with us to get it deployed, and that's huge for the company because for the first time we have a second engine of that sca”

“No government agencies, no bank, no customs or anybody, no government authority will ever ask you for your PIN, OTP, CVV of credit card. They will never ask. Even if still you are getting some call and it is making you nervous about that, so I would still suggest don't panic. Stop call directly to either the person whose name is being taken to you that this person is in trouble if he's a family member or she's a fami”

“So I will just give you an example, Suvendu. Suppose someone is getting 20-25,000 a month with their salary, sales incentives etc. I would say even a person who starts at the age of say 22 saving 2,500 rupees a month up to age of 60 on a modest and not a very exciting return, say 12% return, that amount will become 2.3 crore rupees. But a say another person who thinks okay I will wait for some time till my salary bec”

“Jewelry margin we believe to be anchoring around 11% and we don't expect it to expand because of still higher gold prices result into margin pressure because coins are slightly selling more. In diamond jewelry, the gold content we have explained it quite a bit the many times that jewelry diamond jewelry margin also come under some pressure because of the high gold value into it. So, we just think that we will priorit”

“Quarter one, in the May month customs duty had gone up from 6% to 15% on gold imports. And what does that mean that the existing inventory which has already been paid for custom duty, part of that inventory experiences again because of the increase in and that was about 400 crore between Titan and CaratLane. Of course, Titan has majority share of 386 crores.”

“International business has become at operating level profitable and it is likely to further consolidate and strengthen its profitability growth. We still believe it they would be in excess of 30 40% for few more years before they start becoming mature and start getting into the regular growth cycle.”

Other executives at Titan Company Limited

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