Mehul Arora
Financial Engineer. AMFI ARN Holder. Product builder on a singular mission: to close the information and transparency gap that systematically disadvantages individual investors in India.
I hold a Master of Science degree in Financial Engineering from the United States, where I spent years learning the quantitative machinery that sits beneath the surface of every market, product, and pricing decision in modern finance. Derivative models. Risk frameworks. Portfolio theory. The mathematics of how value is priced — and mispriced.
But what the degree gave me more than models was a way of seeing systems. Where value flows. Where it gets captured. Where opacity serves the platform and not the person. When I came back and looked at Indian retail finance through that lens, the gaps were stark.
I am a registered AMFI ARN holder — which means I can distribute mutual funds and understand their architecture from the inside. I have chosen to use that credential not to build a distribution business, but to build tools that help savers & individual investors understand what they are actually getting into before they decide.
FD Insider is the first chapter. It is a fixed deposit rate intelligence platform built on a single conviction: the most boring, safe, unsexy financial product in India — the FD — deserved better than opacity. Weekly rate tracking. Penalty charges explained & calculated for everyone. DICGC insurance trackers. Tools that return agency to the saver.
Chasing Tens is the parent narrative. Every product I build here is a chapter in the same story: technology as a great equaliser between institutional insiders and individual investors. I am not building for exits. I am building for impact metrics that actually mean something — interest rate alpha captured for users, information gaps closed, decisions made with better data.
"If a tool doesn't make the world tangibly more efficient or honest for the end user, it doesn't belong here."
That is the only filter. Welcome to the chase.
The Obsession Begins
Deep frustration with how ordinary Indian savers — the backbone of the middle class — were systematically kept in the dark about their own money. Banks optimising for deposit inertia. Platforms selling products rather than outcomes. The seed of an idea: build tools that flip the incentive.
MS in Financial Engineering
Post Graduate study in the United States. Quantitative finance, derivative pricing, risk modelling, portfolio theory. But more than the models — a framework for thinking about systems: where value is created, where it is extracted, and where it is simply obscured.
AMFI ARN Registration
Registered as a mutual fund distributor under AMFI's ARN framework. Not to sell products — but to understand them from the inside. The regulatory lens. The product architecture. The incentive structures that determine what gets recommended and what doesn't.
FD Insider Launches
India's most transparent fixed deposit rate intelligence platform. 50+ banks tracked. Tracking of RBI REPO rate pass through. DICGC insurance explainers. The first tool in the Chasing Tens portfolio — built to return agency to the saver. The first chapter of a longer story.
The Chase Continues
More tools. More chapters. The same singular conviction: technology should act as a great equaliser. Each product narrows the gap between what institutions know and what individuals don't. This is the work.