Ask an Expert

Harsh is CEO, Apnapaisa Private Limited. He is counted among India's foremost personal finance experts. After a successful entrepreneurial stint and an equally impressive career at ICICI, Harsh co-founded Apnaloan.com in 2000, in partnership with other accomplished industry professionals.
Apnaloan.com has since become part of the larger Apnapaisa Private Limited. His knowledge of the minutiae of personal finance products be it loans or insurance, has successfully driven the Apnapaisa ethos - that of a comparison site bar none.
His ability to perceive the less-than-obvious angle on a story stands him in good stead while answering queries - on the Apnapaisa portals, online chats, or on his regular appearances on the major TV channels.
When it comes to personal finance, Harsh has been the go-to guy for quotes and opinion for all major newspapers for quite some time now. While dispensing eminently practical wisdom, he has succeeded in taking time out to co-author The Complete Home Loan Guide, a popular guide to home loans.

Kairav is Vice-President, Personal Finance, at Apnapaisa Private Limited. A Certified Financial Planner (CFP), he brings in rich and varied experience in the personal finance domain. In his earlier avatar as vice president (at SRE Financial Planners), he launched a highly successful business model for financial planners, also helping to set up an academy for budding financial planners. During his stint as Acquisitions Manager at a leading MNC bank, he handled several high net-worth (HNI) key accounts. His experience includes dealing with mutual funds, portfolio management services (PMS), and other structured products.
Concerned that he would have time on his hands, he is also part-time faculty at various Certified Financial Planners' institutes in Mumbai and Pune. In his spare time, he writes the odd column for various business newspapers.