New Delhi, Dec. 24 -- In an industry built on spreadsheets and sentiment, Ajay Lakhotia calls himself neither a risk-taker nor a risk-averse investor. "I'm a risk-mitigator," he smiles. "I've just learned to love volatility."It's a line that captures his philosophy and his journey - one that began with painful losses on the trading floor and evolved into a mission to help every Indian make smarter financial decisions.

Ajay Lakhotia remembers the exact moment the screen turned red. It was 2008, the global financial crisis was devouring portfolios worldwide, and his own Rs.80 lakh had just evaporated into the digital ether. He wasn't alone - millions lost money that year. But unlike most, Lakhotia didn't walk away bitter. He walked away cu...