The Story Behind Accruwell

“The best time to start investing was yesterday. The second-best time is today.”

Ankur Singhal is a Chartered Accountant (CA) and Certified Financial Planner (CFP®). For over 24 years he worked with leading corporate organizations, building a career in finance and leadership. But he always believed that true financial security comes not only from earning more, but from making your money work for you.

Starting Small, in 2005

That belief led Ankur to start investing in mutual funds in 2005, at age 28 — with a humble Systematic Investment Plan (SIP) of just ₹2,000 a month. Every year, as his income grew, he stepped up his SIP by around 10%. Every annual bonus went into investments instead of spending. There was no secret formula, no attempt to time the market, and no search for “the next multibagger.” The strategy was simple: invest consistently, increase it every year, stay invested through the ups and downs, and let compounding do the rest.

The First Crore, and What Came After

In 2017, after nearly twelve years of disciplined investing, Ankur crossed his first investment corpus of ₹1 crore. That milestone built his confidence — but the most remarkable part of the journey came afterward. Over the following nine years, he witnessed what Einstein called the “eighth wonder of the world”: the power of compounding. His investments began growing faster than his own contributions, as time and discipline finally started working together.

Financial Freedom at 49

By age 49, Ankur had achieved financial freedom — the confidence that his investments could support his family's long-term goals, and the freedom to choose work based on passion rather than necessity. That achievement inspired his next chapter: founding Accruwell Consulting, with a single mission — to help individuals and families achieve financial freedom through disciplined, goal-based investing.

Why He Built It

Having spent more than two decades managing finance in the corporate world — and having personally lived the journey from a ₹2,000 SIP to financial independence — Ankur understands both the emotional and financial challenges investors face. His role isn't to chase the highest returns or the latest trend. It's to help clients build wealth systematically, make informed decisions, avoid costly mistakes, stay disciplined through volatility, and create a real roadmap to financial independence. He firmly believes financial freedom isn't reserved for the wealthy — it's achievable for any professional who starts early, invests consistently, and stays committed for the long term.