About Me
Niranjan Saha
Author I Policy Creator I Financial Educator
One Voice. Many Dimensions.
With a background in senior leadership roles at companies like OCL India, IIFL, Way2Wealth, Metlife and Emkay Global, I’ve worked across strategy, sales and financial services. But beyond all these, I’ve always believed in creating impact through ideas – whether that’s through fiction, research or practical money guidance.
Driven by a passion to simplify complex ideas and spark meaningful change, I write across three core dimensions:
Policy Innovation:
Creator of the P2P DBT Model ( People-People Direct Benefit Transfer) – a citizen led framework for direct poverty alleviation through public participation designed to inspire governments and their think tanks globally.
Creative Writing:
Author of the science fiction “ New York To Zambewanza “, where imagination meets social insights. As the author of the sci-fi novel, I imagined a Secret Science Mission by a team of gene technologists to create a ‘food-free-world’.
My next book “3 Ms of Business” should be ready by 15th October,2025.
Financial Guidance :
Through this blog I want to help individuals build money awareness and take control of their financial lives with clarity and confidence.
Academic Credentials:
B. Com(Hons) from St. Xavier’s College, Kolkata
PGDBM, IIPM, New Delhi.
Passed Composite Broker Exam. from National Insurance Academy (NIA), Pune.
This blog is where I share insights, stories and models that connect economics, personal finance and creativity with real-life purpose.