I build businesses.capital.systems.wealth.businesses.
That outlast me.
Running a family enterprise founded in 1988. Building AI for Indian businesses. Author of The 21 Codes of Wealth and a weekly column on money.
Income is what you earn. Capital is what you keep. Wealth is what keeps working when you stop.
Three ways to work with my thinking.
Pick the one that fits where you are today. Each leads to the same place: clearer decisions about money and business.
The 21 Codes of Wealth
A calm, practical system of 21 codes that turns income into lasting financial independence. #11 Best Seller in Public Finance.
Explore the bookThe Saturday column
One practical idea on money, investing, family business or AI every week, published here and in the newspaper.
Read the columnBook a consultation
For founders, family businesses and professionals: business growth, capital allocation and long-term wealth.
Start a conversationBuilt one decade at a time.
From a trading house in Muzaffarnagar to AI for Indian businesses.
Mittal Trading Company
The family enterprise begins, supplying chemicals and minerals to Indian industry.
Scozey
First technology venture, today focused on SEO, AI search and the web.
The 21 Codes of Wealth
The book is published and reaches #11 in Public Finance on Amazon.in.
Atulya Intelligence
AI, automation and business intelligence, home of AiHisab.
The next chapter
New ventures combining capital, systems and intelligence.
Wealth isn’t luck. It’s a system.
“Wealth isn’t about how much you earn. It’s about how steady you feel when life tests you.”
The idea behind the 21 Codes, in 57 seconds.
Most people are taught how to earn money. Few are taught how to build a system around it. Here is why that matters.
Why lasting wealth needs a system
57 secondsFive ventures. One philosophy.
Hover a name to see what each business does.
Thinking, published every Saturday.
Wealth, investing, family business and applied AI, written in plain language for Indian readers.
“Simple, real, and actionable. This book transforms financial confusion into clarity and gives readers the confidence to take control of their money.”
“A disciplined framework for building wealth without the noise. This systems-first approach turns good intentions into repeatable results.”
“Practical before technical, this book speaks to real financial behaviour, not theory.”
Let’s build something that lasts.
Start with the book. Continue with the conversation.