Rotarian Nitin Kapur authors ‘Gullak- Practical Mantras for Financial Planning’ to demystify financial planning for Indians

Rotarian Nitin Kapur authors ‘Gullak- Practical Mantras for Financial Planning’ to demystify financial planning for Indians

Ø  The new book, unveiled at CII in Sector 31, focuses on practical, habit-based money management to address India’s financial literacy gap

Ø  Seasoned wealth advisor and Rotary leader Kapur brings nearly 25 years of industry experience to accessible finance writing

Chandigarh 1 May ( Ranjeet Singh Dhaliwal ) : Rotarian and financial expert Nitin Kapur has authored ‘Gullak – Practical Mantras for Financial Planning,’ a new book aimed at simplifying personal finance and promoting financial literacy across age groups. Notably, Kapur has served as President, Rotary Chandigarh Midtown (2024–25), and has been designated as District Executive Secretary (Elect) for Rotary District 3080 for RY 2026–27. The book, which was unveiled at CII North India Headquarter here in Sector 31, translates complex financial concepts into clear, actionable guidance, with a strong focus on cultivating disciplined financial habits early in life. Kapur emphasized that the book focuses on practical aspects of money management. “It’s about the basics—disciplined savings, goal-based investments, managing risk, and most importantly, consistency,” he said.

On a question about the name of the book, Kapur said, “As my book talks about small, regular steps that can create long-term financial security, much like savings in a traditional Indian ‘gullak’, I decided on the title ‘Gullak – Practical Mantras for Financial Planning.” Interacting with media persons on the occasion, Kapur said: “Financial illiteracy continues to be a serious concern despite wider access to financial products and tools. My book is an attempt to simplify money management into practical steps that individuals can actually follow in their daily lives, especially young people who can benefit the most from starting early.” Born in Jalandhar and raised across Jalandhar and Jaipur, Kapur brings a grounded understanding of India’s financial landscape, shaped by both academic training and extensive industry experience. A commerce graduate with a PGDBM in Finance from Chetana’s Institute of Management and Research, he is also NCFM certified in Capital and Derivatives Markets. Kapur, has over nearly 25 years, developed expertise in wealth creation, client advisory and strategic expansion.

“Financial literacy is the key to overall socio-economic and educational inclusion. Financial empowerment of the masses will help in realising the goal of inclusive Viksit Bharat by 2047,” said Kapur, who currently serves as Co-Founder and Director of Wealthyfy and is a business associate of IIFL, overseeing assets under management exceeding ₹8,000 crore across more than 20 branches. After the special session with the media, the formal launch of the book at CII, Chandigarh brought together financial experts, community leaders and academicians. The event also featured an interactive discussion on the ‘nitty-gritty’ of financial planning, with speakers including  Jeeten Bhambri, Sanjay Bhatia, Ritu Singal and Dr Balram Gupta, who collectively highlighted the growing importance of financial discipline and structured financial education in today’s environment. The dignitaries present also included Chintan Modi, Director at IIFL Capital; Deepinder Singh Sandhu, Senior Managing Director at Chandigarh University; Surbhi Kalra ; Dr Rita Kalra and Dalbir Singh.