The Right to Disconnect Bill: Could This Change India’s Work-Life Culture for Good?
December 9, 2025
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- Sun, 14 December 2025
His childhood began in Raipur, Chhattisgarh, where he lived in a house with his father, who had suffered certain business losses, and his mother, who was an educator at Durga Mahavidyalaya College in Raipur.
When he was living in Raipur, they never had running tap water; they had to go downstairs to get access to water.
So, years later, when his college friends discussed “the greatest luxury” in their lives, his wife replied for him: he loved taking long, hot showers.
The money that was earned by her mother went to cover the losses made by his father. It was a frustrating situation for him: they were earning pretty well, but the money was being used to cover losses made in business.
Struggling with communication in school, he made it his mission to overcome the barrier. He practised speaking in front of the mirror, read newspapers aloud, and participated in debates to build his confidence. His hard work paid off when he cleared CLAT and joined Hidayatullah National Law University (HNLU).
But the law failed to inspire him. He participated in competitions, explored different fields, yet nothing sparked passion until he found finance.
His financial journey started in the 5th standard, where he built his own business by selling comics door-to-door. He was faced with rejection, but he never gave up. He developed a keen interest in Finance when he sat and watched finance-related news with his father.
One of the biggest inspirations for when he started loving and learning about finance was when he was introduced to Warren Buffett, one of the world’s most respected investors.
His interest came with a price: he had no money of his own to invest, so he made a simple deal with his father. Pranjal would be given 20,000, but if he lost it, then he would have to return to his law studies.
He made certain gains and certain losses, and he became tangled with the world of the stock market: he was astonished by the intricacies of the market.
Unknown to his parents, he applied to the National Institute of Securities Markets (NISM) and got accepted. for his master’s and got in.
After graduating, he founded Finology.
A gap in the market was seen by Pranjal: he noticed that there were various channels that were spreading misinformation and biased information regarding the stock market and that failed to sit right with him.
Finology was birthed as a result to bridge this exact gap.
To change that, he began sharing his knowledge through blogs and videos, aiming to explain finance in plain language. The journey wasn’t easy; his first 60 videos gained little traction. But he stayed consistent, refining his style and learning from feedback.
His 61st video became his breakthrough – it resonated with viewers and marked the start of his success as a trusted voice in finance.
The brand has a strong online presence, boasting over 5 million YouTube subscribers, where Finology simplifies complex financial concepts, investment strategies, and stock analysis for everyday users.
On Instagram, the company engages a community of over 380,000 followers, sharing bite-sized insights on saving, investing, and financial planning.
Finology offers a comprehensive platform that helps individuals make smarter financial decisions through education, tools, and expert insights.
It provides courses on investing, personal finance, and stock market fundamentals through Finology Learn, while its Ticker platform offers in-depth stock analysis, screeners, and portfolio tracking for investors.
There is a deep concern surrounding the Gen Z population and the way they are dealing with money. Why is that?
Access to information might seem like a boon, but in this case, it works as a bane. Years ago, when someone tried to learn about the stock market, they would almost inevitably come across Warren Buffett and his teachings.
Today, with endless access to information, it has become nearly impossible for this generation to reach Buffett’s wisdom: and far more likely for them to come across misinformation.
Kamra observes that this flood of information has led many young investors astray, away from the right path.
Another aspect Kamra discusses is debt. In today’s world, taking on debt feels easy and instant. He draws an analogy: people have stopped thinking of loans as loans and started thinking of them as a “subscription fee.” You pay ₹200 for Netflix and get access; you pay a certain EMI for an iPhone and gain lifetime access to it.
This ideology among Gen Z, he says, is dangerous. Many could fall into vicious loan cycles without even realizing it.
The third aspect Kamra warns about is a simple thumb rule of finance: stay away from anything new, and you’ll be safe. This includes IPOs, NFOs, Buy Now Pay Later cards, new insurance policies, fancy schemes, and cryptocurrencies.
Here, he uses the analogy of medicine: would you take a drug that hasn’t been in the market for at least 10–15 years and hasn’t been thoroughly researched for side effects? Except in rare cases like COVID, most people would prefer something tested and proven.
In finance, then, the question arises—why would you put your money into something whose risks aren’t yet evaluated? How can you understand market validation if it has only just entered the market? And more importantly, are you investing because you truly believe in the product, or simply because everyone else seems to be? Is the promise of quick returns blinding you to the long-term consequences of risk?
Pranjal Kamra has a very simple and grounded view of how Finology should grow. He says the company isn’t trying to be number one, capture markets, or beat competitors. Instead, Finology focuses on steady and organic growth of around 20–25% every year — and Kamra believes that when you compound ₹100 crore at that rate, it’s more than enough to run a good business.
At Finology, there are no sales targets or big marketing campaigns. The company doesn’t have a sales or marketing team, only one person who handles inbound marketing. Kamra believes that when you build something valuable, people will naturally come to you.
For him, real net worth isn’t measured in money — it’s being able to play cricket, spend time with his family, and enjoy life outside of work. He values balance over hustle, and says that the 40 people working at Finology share a similar lifestyle and mindset: simple, steady, and happy.
[Credit for header image: YT
This content is for informational purposes only and does not constitute legal, financial, or investment advice. We do not assume any liability for actions taken based on this information]
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