Raman Agarwal : Guiding Investors With Clarity, Discipline & Long-Term Financial Strategies
Raman Agarwal
Founder
The move towards becoming an entrepreneur was realized by a momentous decision to select voluntary retirement by a nationalized bank in 2001 after close to twenty years in the banking industry. It was at this juncture that Raman, embarked on an independent career in financial advisory, leading clients through a period of market instability and seeing the need to start moving from traditional saving tools to mutual funds and equity investment with an emphasis on transparency and long-term growth.
Raman is an M. Com (Master’s Degree in Commerce), which is enhanced with 20 months of Chartered Accountancy education and years of practical knowledge. He has worked for close to 20 years with Punjab and Sindh Bank and has been a long-time participant in commercial accounting.
He is the Founding Partner of Santushti Capital LLP and his areas of specialization entail asset allocation management, retirement planning, investment consultancy, mutual funds, and other stock market investments.
Having a structured and client focused style, he continues to assist investors in making informed financial choices in a clear and confident manner. Raman outlines his professional evolution and the strategic thinking behind his investment philosophy.
What are the major factors you take into consideration while suggesting investment solutions for long-term goals?
We propose some investment solutions to the client with long-term objectives, my focus is largely on the time horizon of the client, the risk appetite and their ability to remain invested even in volatile markets.
I emphasize transparency and investor education from the outset, ensuring clients understand that equity mutual funds may experience short-term fluctuations but tend to deliver superior returns, around 12-15 percent, over a long-term period of five years or more. This approach helps align expectations and supports disciplined investing during market corrections.
What steps have you taken to ensure investments with assured returns and adap table durations?
Since assured returns cannot be guaranteed in equity markets, we focus on offering well-researched, estimated-return solutions. Our investment recommendations are backed by rigorous quarterly reviews across a wide universe of schemes and supported by an in-house research team.
Through a structured research process, we identify consistent funds with relatively lower volatility and strong performance potential. Our recommended investment horizon is five years but we also provide flexibility to the clients to withdraw in case of attainment of their financial objectives or liquidity need, giving the investors discipline and flexibility.
What are some guidelines and methodo -logies that you follow as a leader?
I follow a structured and process-driven approach. I establish clear systems and workflows to ensure consistency, efficiency, and long-term problem prevention. Through institutionalizing solutions instead of solving problem ad-hoc, I am able to establish a sustainable well-governed organization and leadership standards in the industry.
How do you keep yourself up to date with ongoing industry trends to steer your organization towards the future?
I emphasize transparency and investor education from the outset, ensuring clients understand that equity mutual funds may experience short-term fluctuations but tend to deliver superior returns, around 12-15 percent, over a long-term period of five years or more. This approach helps align expectations and supports disciplined investing during market corrections.
Consistently think from the client’s perspective and prioritize creating sustainable value for them
What steps have you taken to ensure investments with assured returns and adap table durations?
Since assured returns cannot be guaranteed in equity markets, we focus on offering well-researched, estimated-return solutions. Our investment recommendations are backed by rigorous quarterly reviews across a wide universe of schemes and supported by an in-house research team.
Through a structured research process, we identify consistent funds with relatively lower volatility and strong performance potential. Our recommended investment horizon is five years but we also provide flexibility to the clients to withdraw in case of attainment of their financial objectives or liquidity need, giving the investors discipline and flexibility.
What are some guidelines and methodo -logies that you follow as a leader?
I follow a structured and process-driven approach. I establish clear systems and workflows to ensure consistency, efficiency, and long-term problem prevention. Through institutionalizing solutions instead of solving problem ad-hoc, I am able to establish a sustainable well-governed organization and leadership standards in the industry.
How do you keep yourself up to date with ongoing industry trends to steer your organization towards the future?
I stay updated with industry trends by reading a lot be it macro-economic data, market developments or about global events. I also try and attend most of the education seminars to also stay updated.
Since 2011– 12, my son, Rahul, a computer engineer, has been a part of the organization. We also jointly monitor the macro- economic activities and changing market trends to provide informed judgment and future investment advice to our client.
What future destination are you heading towards?
We are not about numbers. We believe that we are in the noble profession of wealth creation. We tend to maximize use of technology to reach each and every client. Our destination has always been about educating maximum people on financial matters for which we even started our Instagram channel finance with rahulraman (in my and my son’s name). We know that we cannot become everyone’s wealth creation partner but we can spread awareness.
What advice would you give to the aspiring leaders in the field?
Aspiring leaders should focus on maintaining complete transparency and adopting a strong research-oriented approach in their work. It is essential to consistently think from the client’s perspective and prioritize creating sustainable value for them. When these principles are followed with sincerity and discipline, positive outcomes naturally follow. This philosophy has played a key role in my own professional journey and achievements.
Raman Agarwal, Founder, Santushti Capital
Raman is a seasoned financial professional and advisor with over two decades of experience, focused on transparent, structured, and long-term investment strategies across asset management, mutual funds, and equity markets
•Hobbies: I like being with the nature, it gives me peace of mind and that’s most necessary when you are taking big financial and investment decisions.
•Favorite Cuisine: I enjoy Punjabi
dishes.
•Favorite Travel Desti- nation: Hilly areas.
Since 2011– 12, my son, Rahul, a computer engineer, has been a part of the organization. We also jointly monitor the macro- economic activities and changing market trends to provide informed judgment and future investment advice to our client.
What future destination are you heading towards?
We are not about numbers. We believe that we are in the noble profession of wealth creation. We tend to maximize use of technology to reach each and every client. Our destination has always been about educating maximum people on financial matters for which we even started our Instagram channel finance with rahulraman (in my and my son’s name). We know that we cannot become everyone’s wealth creation partner but we can spread awareness.
What advice would you give to the aspiring leaders in the field?
Aspiring leaders should focus on maintaining complete transparency and adopting a strong research-oriented approach in their work. It is essential to consistently think from the client’s perspective and prioritize creating sustainable value for them. When these principles are followed with sincerity and discipline, positive outcomes naturally follow. This philosophy has played a key role in my own professional journey and achievements.
Raman Agarwal, Founder, Santushti Capital
Raman is a seasoned financial professional and advisor with over two decades of experience, focused on transparent, structured, and long-term investment strategies across asset management, mutual funds, and equity markets
•Hobbies: I like being with the nature, it gives me peace of mind and that’s most necessary when you are taking big financial and investment decisions.
•Favorite Cuisine: I enjoy Punjabi
dishes.
•Favorite Travel Desti- nation: Hilly areas.