A Woman's Willpower: Ruchi Agrawal's Success Story with NJ Wealth in a Competitive Industry
Ruchi Agrawal turned personal adversity into success, taking over her husband’s NJ Wealth business after his sudden illness. With perseverance, she grew AUM from Rs.19 crore to Rs.83 crore, built a Rs.57 lakh SIP book, and earned clients’ trust, showcasing resilience, dedication, and the power of NJ Wealth’s support.
Original article published on May 21, 2025 in Daily Hunt.
(https://m.dailyhunt.in/news/india/english/manish+bhattacharjee-epaper-dh77312861ca7544bb8e8b3f3d9cf342d0/a+womans+willpower+ruchi+agrawals+success+story+with+nj+wealth+in+a+competitive+industry-newsid-dh77312861ca7544bb8e8b3f3d9cf342d0_1256b500361911f0bf74d1502ded07ed)
Facing one of life's toughest challenges, Ruchi Agrawal turned adversity into strength. A commerce graduate from Mumbai, she had built a career in the insurance sector since 2005. Meanwhile, her husband was excelling as a mutual fund distributor under NJ Wealth, establishing a thriving business. However, in December 2017, her world changed when he suffered a sudden cardiac arrest. Left with the daunting task of carrying forward his legacy, Ruchi made the courageous decision to step into the business. Despite having no prior experience in mutual fund distribution, she took charge, learning from the ground up.
Meanwhile, her husband was excelling as a mutual fund distributor under NJ Wealth, establishing a thriving business. However, in December 2017, her world changed when he suffered a sudden cardiac arrest. Left with the daunting task of carrying forward his legacy, Ruchi made the courageous decision to step into the business. Despite having no prior experience in mutual fund distribution, she took charge, learning from the ground up.
Through perseverance and an unwavering commitment to service, she expanded the AUM from Rs. 19 crore to Rs. 83 crore, with a strong SIP book of Rs. 57 lakh and over 500 clients under her management.
Initially, stepping into an industry dominated by experienced Mutual Fund Distributors was daunting. Ruchi faced an uphill battle—not only understanding financial products but also locating and reconnecting with clients. With no prior experience, she extracted contact details from her husband's phone, reaching out one by one to reassure them that she was committed to providing the same level of service. Some clients hesitated, unsure of her capabilities, but through persistent efforts and genuine care, she gradually won their trust.
NJ Wealth played a pivotal role in her journey. Their E-Wealth platform proved to be a game-changer, allowing Ruchi to seamlessly transition clients from offline to online services. "Without NJ Wealth's digital tools, managing clients across different cities would have been a major challenge," she shares. The support of NJ Wealth's team, particularly her agency manager and mentors, guided her through the learning curve.
Balancing business and family responsibilities wasn't easy. As a mother of two daughters, Ruchi had to juggle multiple roles, often working late nights to meet client expectations. Yet, her unwavering commitment to service set her apart. "If a client is free at 11 PM, I am there for them," she says.
Her journey is a testament to hard work, adaptability, and the power of perseverance. Today, Ruchi continues to thrive, proving that with determination and the right support, any obstacle can be overcome.