NRI – Life Planning Story

Getting rid of ‘N’ from NRI

(From living as a solo to living with family in India)

I was extremely energized & why not? Today, I was a special guest in Konkan, one of my most favourite regions! Standing as hosts were a much adorable couple Ramesh & Suchitra from Ethiopia. They got to know about our Financial Life Planning movement online. I responded to their mail within 48 hours they booked an exploration session.

Suchitra was a proud house-wife & Ramesh was an agriculturist from a very humble background in Konkan. He was working in Ethiopia and earning very well. Almost 12 years ago, he moved to Ethiopia with his wife & kids. But soon they realized that the decision was not in the best of the interest for
many, particularly for a better future of their kids & social life.
Soon, Suchitra moved back to India with the kids.

Ramesh was left with no choice but to live as a solo in capacity as a provider for almost 5-6 years. On financial front, he scored a perfect TEN but on personal & social front, he had a dismal score. Other than the overseas distance, they were a ‘perfect family’.
Ramesh had a great affection to work in soil.

A skill that fetched him a job & fortune but snatched from him that immense pleasure of staying with his family! Besides, the grassroots of his soul belonged here, to Indian soil, particularly at Konkan.
Off late, Suchitra was also getting more & more concerned about the physical absence of Ramesh, particularly for her kids’ sake. Should Ramesh get back to India, would we be able to survive equally well? Should he stay overseas, could their family life really excel? They were stuck in a dead-lock.

In the exploration session, they found the space to contemplate & converse. Very soon, they opened up about their preferences in life which mattered the most. He always cherished to live with the family.
Every passing summer, Ramesh thought of working for only 6 to 7 more years as a provider. But could not decide on how much would be enough?
After analysing their financial data, I told them that getting back to India was an easily achievable task.
If planned well, it could be achieved within 12 months. As if electrified, Ramesh got up from his chair in an utter disbelief. Once I started building their TORCH, they both were on fire. We worked on their finances as the investments were in a big mess. They had invested in quite a haphazard manner without any structured thought or plan. We simplified, consolidated & organised everything, right from insurances to funds.

A special instrument namely “settlement fund” was created to accommodate for their future cash flow. They had some investment in an apartment which was vacant. We initiated a renovation plan & put it on rent. I was awed by the vigour with which both of them worked over their target.

But I forgot to tell you the most important thing – I met Ramesh & Suhitra exactly 8 months ago..

Curious to know more  click here now

What attendee have to say about the workshop

“I able to get help to manage my Portfolio ,as well as proper guidance regarding insurance .”
– Nitin Golam
“Thanks for Niraj for financial awareness and to improve my financial health score. Your advise always help me to set and achieve goal.”
– Subhash Sirsat


Are you looking for a speaker who can really give you clarity and knowledge about life and finances then you are at the right place?

Inspirational talks give your audience to think big but speaking session by Niraj gives clarity about life planning with real facts.

Real Life is beyond inspirations and wisdom.

Make a Real Choice and Invite Niraj to Speak.



Office Location: Pune-411016, India

Postal Address: 1137/10, Parvati Sadan, Model Colony, N R. Bapat Hospital, Pune-411016.

Phone: +91-9130126096, 020-25666349