If you see the recent trends, the household savings rate has fallen to 18% in India compared to 23% in 2012. Another survey shows that people earning less than 30,000 per month were able to save only one-tenth or less of their earnings. Even the borrowing of Indians has increased due to easily available personal loans.
The issue here is not earning. It is a lack of knowledge of how we Indians manage and invest money. Just like you, our team members at investing.in too have gone through the phase of low savings and debt. But they have managed to dig themselves out of it because they had the right knowledge and experience.
We aim to share the same knowledge with you to bring your financial status to zero debt and a profitable investment portfolio.
Who Are We?
We are a team of finance enthusiasts who have years of experience in working the finance sector. Our founder, Nihar Panigrahi worked as IT Developer for credit card payment and banking systems. Our finance advisor, Shiba Behera has ten years of experience in risk management, and currently, he works for a primary bank in India. And finally, to present the scary and big financial ideas in simple language, we have Vini Sahani as the Content Editor. Beyond these three, we have a team of finance writer who works hard to research and provide you the information you need.
Why Should You Trust Us?
Just like any other working-class person we have experienced imbalanced finance in our life. So we understand the problem people face while managing their loans, credit cards, investments etc.
For instance, our expert adviser, Shiba Behera, has consulted small to large companies as well as individuals with loans and credits. His main job is to assess credit risk for the individual or company. Hence, he knows inside out how people invest and manage their debt.
Our founder, Nihar too has experience in developing credit card payment systems which enables him to understand how people use their money. Also, he has more than six years of experience in investing in different businesses and portfolios.
In addition to our experience, we want to ensure that we provide the most accurate information. For that our team of writers does extensive research, which includes consulting with experts, users, people working in the finance sector.
We go to an extent where we use the products or solutions before we recommend them to you. Our evaluation of the different products related to finance is unbiased, and we say what we observe.
How We Help You?
A year ago, the founder, Nihar was looking for a trustworthy source where you can get all the accurate information about finance for Indians. He had to browse the different sites for credit cards and different sites for saving money. And whole another website for information related investment. This is when he realized he should create one.
But that’s when he understood one thing being transparent and presenting truth is much more beneficial to users rather than just providing the plan facts. So he devised a unique process to curate the content for the website, which includes five steps:
1. Primary research
Our process begins with the user’s questions. We try to understand what users want to know. Do they want a general guide or some specific query related to their specific situations? Once we have an idea about it, we gather the most basic information by doing primary research online and other resources like books where information is readily available.
2. Expert Advice
To go much deeper, we connect with our experts, who not only help us understand the query of the user but also helps us find the solution for the user’s query. For instance, a user wants to pay huge credit card debt in a short amount of time, an expert provides his view about it and solution to it like personal loans, or gold loans, etc.
3. Getting The Accurate Data
One aspect of providing accurate information is to get historical facts and future trends. For that, we connect with our sources who are either employed or are established names in the financial sector. Our dedicated researches even go through finance reports for different entities in the finance sector.
4. Hands-on experience
Before offering the solution, we make sure that we get hands-on experience with the solution. For example, above, we connected with a bank to understand the process of a personal loan to pay credit debts. This allowed us to get a much closer look at the solution and recommend useful advice to users.
5. Creating the Post
Once we have all the data, information, and experience we need, we put our writers to work. While creating content for our website, we make sure that all information is presented in such a way that even an average kid can understand because we know not everyone comes from a financial background.
Who We Want To Help?
Finance plays the most vital role in our life. Be it an average middle-class man or a huge business owner, everyone has to manage their money in a way they save some and use some to earn more money.
So practically, this website is for all who want to learn how to manage and grow their money. We will help you find answers for issues related to credit card, loans, mutual funds, stocks, debt, savings account, banks, debit card, and many more.
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Meet Our team
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Nihar began his career as an IT-developer for the credit card payment systems domain, where he gained exposure to the inner workings of the payment system. This was where he gained an interest in finance. And as a finance enthusiast, he started to learn more about it. He not only taught himself how to manage finance but also how to invest in the right portfolio to grow assets.
Even professionally, he gradually became an SME ( subject matter expert) for BFSI ( banking, financial services, and investment) domain in IT. As SME, he was exposed to different projects from the banking sector.He slowly became an active investor in different online business to earn passive income. He is constantly searching for new ideas to manage or save money and new investment opportunity. But he realized that there are few reliable sources. Especially for Indian users, there are very few websites that provide accurate and tested solutions.
Since he also has a background in both technology and finance, he thought of creating invested.in where you can get all the money-saving and growing tips. However, there was one thing he was clear from the start. All the solutions and products recommended on the website should be well tested before they are presented to the readers.
ExpePERT Finance Advisor
Shiba is our backbone who has all the answers we need about finance and investment. After his engineering graduation, he briefly worked as a system engineer for a leading IT company where he worked as a developer to solve complex business problems for the client.
Then he switched to the role of project management, where he was exposed to business development and project management. This was when he got interested in finance. He wanted to learn more about managing money and investing in the right place. So he decided to go for an MBA in finance.
After his MBA in Finance from the prestigious XIMB, he began his career in finance when he joined the leading bank of India, SBI. While working as a credit analyst, he was responsible for risk assessment in a macroeconomic environment. This includes credit analysis of different corporate clients seeking credit with the bank. This gave him exposure to how businesses and individuals invest their money and manage assets.
Because of experience in risk management, we roped him to advise us on how an individual must manage their finances. His input is very crucial when we are researching different topics like loans, credit cards, investments in various portfolios, and also so on debt.
Chief cONTENT EDITOR
Vini is our head content editor responsible for presenting confusing finance ideas in simple language so that people of all ages could understand. And her ideas are so inspiring that it makes the content creation process more fun and informative.
When Nihar created this site, he wanted someone who not only has a flair for writing content but should be experienced in the finance niche. Vini has the right profile for that. She has more than six years of experience in content writing for the finance niche. Also, she practices most of the financial advice that she gives in her content.
She not only manages all the content but ensures that the whole writing team is curating accurate as well as in-depth articles. Since she is well aware of subjects like finance, her input helps us provide you the best solution.