An Engineer Who Turned His First Paycheck into Financial Freedom: The Rise of Bhavesh Garg

This is about the journey, expertise, interviews, content, certifications and mission of Bhavesh Garg, a finance creator, an AMFI-registered mutual fund distributor and CEO of VSN Financial Services, who is teaching financial literacy for Indians with his simple explainers, calculators, wealth stories and crisp money guides. Here’s why knowing his story matters and why his content shouldn’t be skipped.

Why does his work matter?

In an online landscape full of loud opinions about money, Bhavesh Garg, known on Instagram as @filogical_bhavesh, stands out for doing something simple: making personal finance feel simple, trustworthy and human. With 29.7K followers and a fast-growing digital footprint, he blends humour, empathy and technical expertise to teach Indians the art of wealth-building.

Behind his calm delivery and simple infographics is the journey of an engineer who worked abroad, returned to India and gradually transitioned into building a financial services practice and content creation. What began with investing his first paycheck eventually became a long-term path toward financial independence, one he now shares with thousands of others.

The making of a new-age finance educator

Before he became a familiar name in the world of personal finance, Bhavesh was nowhere near this industry. He studied Mechanical Engineering at Thapar Institute of Engineering & Technology (2008–2012), where he actively participated in Formula Hybrid Italy, robotics activities, quizzes and debates, sharpening both technical and analytical skills early on.

His first professional chapter unfolded internationally. With nearly 7 years of experience in Japan and Thailand, he worked in Research & Development at Honda, where he developed precision, discipline and a customer-centric mindset. That multicultural experience shaped his ability to decode complex systems, a strength that now reflects in his crisp financial explainers.

Growing up in a family deeply rooted in the world of stock markets and financial services, he absorbed the rhythms of investing from an early age. His father spent three decades in the industry and that exposure planted the seeds of curiosity that later became his full-time work.

Also Read: How AI and Technology Are Changing the Face of Personal Finance in India, Learn from Vijay Kuppa

Turning a paycheck into a life mission

Bhavesh’s journey into investing began with a simple act: putting money from his first paycheck in 2012 into the stock market. That one decision set him on the path that eventually led to financial independence in his early 30s.

After years of disciplined wealth-building, he shifted from engineering to becoming a financial mentor. In February 2021, he stepped into the role of CEO, the Chief Emotional Officer of VSN Financial Services, based in Chandigarh.

His title isn’t just a role. It defines a philosophy: People don’t lack logic when investing; they struggle with emotions. His mission is to guide corporate professionals, NRIs, and everyday Indian investors toward steady financial freedom rather than impulsive decisions.

HIS CREDENTIALS: QUALIFIED, CERTIFIED, TRUSTED

Bhavesh is an AMFI-registered Mutual Fund Distributor, adding regulatory legitimacy to his financial guidance.

He also earned the CRGP (Certified Retirement Goal Planner) certification from Aditya Birla Sun Life Mutual Fund in 2022.

His skill set spans:

• Retirement Planning
• Retirement Plan Consulting
• Mutual Funds
• Financial Advisory
• Portfolio Strategy
• Goal-Based Planning

Content that cuts through noise

What makes Bhavesh’s online presence stand out is his ability to explain finance without jargon. His content spans:

• Wealth Builder Videos
• Mutual Fund explainers
• Quirky, humorous tweets about money habits
• Retirement planning strategies
• Step-by-step guides like “How to make ₹4 lakh per month”
• Real story breakdowns and calculators
• A-to-Z personal finance education for beginners
• Debates like “Invest INR 1 crore in a house or in mutual funds?”
• SIP-based wealth-building blueprints (“Invest INR 5K to become crorepati”)

He makes finance feel friendly, not frightening. His signature style: Simple visuals, clean logic, calm delivery and zero intimidation.

His biggest interviews: Access to India’s top money minds

Interview with Nilesh Shah, MD & CEO, Kotak Mutual Fund

In this conversation, Nilesh Shah shared:

• Why “time in the market” beats “timing the market”
• How to handle volatility
• The mindset needed for long-term wealth creation
• Lessons from his decades navigating market highs and lows

Bhavesh Garg extracted insights that are usually reserved for fund managers, making them accessible to everyday investors.

Interview with Radhika Gupta, MD & CEO, Edelweiss Mutual Fund

View this post on Instagram

A post shared by Bhavesh Garg | Personal Finance (@filogical_bhavesh)

A sharp discussion focused on the rise of retail investors, market opportunities and how common Indians can build wealth through disciplined investing.

The message he wants India to understand

Bhavesh Garg’s mission is evident: As per his profile, 1 million Indians (His Clients) are financially free.

He wants people to see that financial freedom isn’t about luck or big salaries, it’s about structure, discipline and removing emotional bias from decisions. His content isn’t aspiration-driven; it’s empowerment-driven.