The word ‘Jugaad’ originated in Punjab and is used for the locally made motor vehicles. These vehicles are like wooden bullock carts, and are made by carpenters by fitting a diesel engine to it. ‘Jugaads’ are used in all villages of Punjab. Now the word ‘Jugaad’ has become synonymous with low-cost, innovative quick-fix solutions invented by creative and imaginative persons by out-of-box thinking to solve difficult issues by simple common place methods. Two Examples of ‘Jugaad’ are as under: Once an Army truck was stuck under an old bridge at the back of Red Fort, New Delhi. This truck was loaded with a huge generator and was required to reach India Gate at the 26th January Parade. Neither the bridge could be broken nor could generator be reduced in size. The problem was to be solved within one hour. All engineering talent failed to offer solution. Finally a passerby, an ordinary truck driver, suggested the Army Personnel to deflate the tyres of truck by 3 inches. The concerned Army officer did it and the truck crossed smoothly under the bridge. This is called ‘Jugaad’. There is another such interesting case. Once a couple was coming to Delhi from Chandigarh. The tyre of their car got burst. They parked the car on road side to change the tyre and replace it with stepney. They removed the four nuts of the wheel. Suddenly one monkey came and took away all the nuts. The couple really got stuck up the highway where there was no workshop nearby. However, one villager gave them a 'jugaad' idea to remove one nut from other three wheels and fix these three nuts to the fourth wheel. With three nuts on all four wheels they slowly reached the destination. This is called ‘Jugaad’. Global management experts attribute India’s rapid economic growth to 'Jugaad'. In a recent survey by the Legatum Institute, 81% of Indian businessmen said 'Jugaad' was the key reason for their success. This term is now used as much by enterprising street mechanics as by key business men and professionals and is understood all over India and abroad. The word ‘Jugaad’ has entered the Wikipedia also. Refcently Oxfort English Dictiontry has also added this Indian word “Jugaad” in it, desribing it “as a means involving the use of skill and imagination to find an easy and cheap solution or alternative to the problems”. So, you can also ‘jugaad’ your way to success. K.K. BajajFounder, ICoFP

I joined International College of Financial Planning in 2014. I wanted to do something different in finance as I had keen interest in financial markets. I wanted to learn how the financial market works and Masters in Financial Analysis is a perfect fit for that. I was lucky enough to gain required knowledge through different case studies, projects and much more at ICoFP. The faculties were very supportive and they guided me in the best possible way. I specifically want to mention my mentors Mr. Ashok Jain sir and Mr. Jatin who helped me a lot. They guided me at every point and always motivated me to handle different projects through trading live capital markets, primary and secondary research tools. Ashok Jain sir helped me a lot in building the desired knowledge. After the completion of my program, I started trading as I wanted to expand my base and I am grateful that I could do well in trading. After trading for four months, I got placed in Moody’s Analytics knowledge services as Private equity Senior Analyst from my own college. I worked in Moody’s for about an year and a half. After I quit from Moody’s Analytics, I joined my father’s branded garments business and started to trade again side by side. Having gained knowledge in financial analysis and having to know the fundamentals of analyzing financial reports helped me take crucial decisions in my father’s garments business. Hence, I was able to expand my business. I want further broaden my horizons to become an entrepreneur. Moreover, I have been able to meet the criteria and hence received an opportunity to pursue masters abroad from three different reputed institutions, choosing one of which I am yet to decide on.

Mr. Sudindra V R is a commerce graduate with degree in B.Com and Master of Business Administration in the year 2005 with Finance and Marketing specialization. He also obtained Certification in CFP-Certified Financial Planner in the year 2009 from International College of Financial Planning. He has over 13+ years of experience in Industry as well as Academics. Before joining ISME, he worked with Ocwen Financial Solutions Pvt. Ltd, E4E Financials Pvt. Ltd., HSBC Bank, M-Zone Financials Pvt. Ltd., Nandi Institute of Technology and Management Sciences in different positions. He enjoys his free time with his family and long drive in bike. He described his experience with International College of Financial Planning: ICOFP helped me in completing my CFP-Certified Financial Planner certification in a very short span. During the certification program, the amount of knowledge that I gained though best industry experts as best faculties helped immensely. Post certification I was able to connect the industry’s best practice in my profession as a faculty.  I would like to associate with ICOFP to share my experience and to gain knowledge.  

I joined International College of Financial Planning in 2005 and if I remember correctly, mine was the second batch. I wanted to do something different from normal financial Post Graduation programs and PGDFP from ICoFP was the perfect fit for that. Financial planning those days was relatively a lesser known concept and hence I was the lucky one to gain early knowledge about the same. The faculty was very supportive and helped every student in the best possible manner. I got to learn a lot of new financial concepts and it was pleasure learning from all experienced faculties. In 2006 as I approached towards the end of my program, I got a campus placement and joined Sharekhan as Relationship manager. I loved joining them since I was always inclined towards stocks and trading. Investment module of our PGDFP program helped me a lot in my job as I had already learnt advance concepts and it became easy for me to work with full confidence. After that I moved to IL&FS in 2007 in same profile, and at the end of 2007 joined Reliance Money as an Equity Advisor in my home town, Kanpur. Being at a senior profile, I was looking after 120 sub brokers of the entire half of Uttar Pradesh. In 2009, I left the job to start my own venture which included trading for self and providing one on one training to investors on trading strategies based on technical analysis. With God’s grace, I am doing good in trading and I have trained over 30 students now. Looking forward to do even better. I also write analysis actively on my blog covering Indian equity and commodity markets and have written ,more than 1500 analytics. My blog address is: www.abhaymehrotra.blogspot.com The starting point of my career was the placement provided by ICoFP and it indeed played a crucial role in shaping up my career. I feel thankful to my college.