Mudra Compass

Life is not what you live but how you live. Mr Apurva Bhagat is a true example who has turned every stone into an opportunity which just not only helped him to get success but also helped society in many ways.

Mr. Apurva Bhagat, a self-starter and proactive personality. Though the journey which he choose was not a smooth road but a roller-coaster ride which had made Mr. Bhagat is a self-driven entrepreneur. With his strong entrepreneurial acumen, he decided his plan to be an entrepreneur at a time of article ship. From the experience of his friends who are second-generation entrepreneurs, he understood that “Arranging Funds” is a problem area for most of the SMEs. The reason can be any, to expand your business, increase inventory, marketing or improve cash flow. This encouraged him to venture into a Finance & Legal consultancy company that would address this Problem Area.

With time in the banking and finance industry, Mr. Bhagat understood the financial industry as well as the pain point of industry. Mr. Bhagat is a great negotiator, innate planner and hands-on cool headed professional with rich know-how about banking and financial industry and understood the need of credit analysis in today and future as banking norms were becoming stringent day by day and credit worthiness (Credit Score) was emerging as one of the most important qualifiers for availing a loan Thus he had ventured into another vertical credit rectification, Mr. Bhagat was pioneer of this unique business in India and Apoorvaa Foundation came in existence with a mission to help people live credit healthy life. With a sheer wit and determination, Mr. Bhagat today is handling 108 Branches of Apoorvaa Foundation in 90 Cities of 21 States at PAN India level and Today Apoorvaa Foundation is empowering thousands of lives to achieve financial freedom by rebuilding their credit score and fixing the other credit issues.

Hailing from a middle class family where financial crunches had broken down his dream of becoming a Chartered Accountant, Mr. Bhagat has not relied on his destiny but decided to change his destiny by doing something on his own feet with his self-efficacy. Mr. Bhagat, a staunch personality, is working with a team of CAs and other professionals to extend his core expertise to nurture and touch the lives of people to rebuild their credit history. With vast experience of 21 years in finance, project financing, taxation and retail sector loan, he realize that many of his clients were ignorant towards credit issue and many of them who have defaulted did not have money to repay and this encouraged Mr. Bhagat to dedicate his skill towards Credit Awareness and since then he had conducted 400 seminars for general public as well as bank officials. This created a positive overall impact on society in terms of many folds such as Individuals having eligibility for quick loan approval, SMEs to have financial extensions and Banks having to curb their worry towards NPA issues.

Mr. Bhagat did not let limitations define his future and always believes that failures and doubts may discourage you but those are only a speed breaker not a stopper. Mr. Bhagat is a source of tireless energy and a strong reinforcement to his team to unfold many opportunities to provide the best credit repair services in India.

An advocate of continuous learning, Mr. Bhagat has attended several physical and virtual workshops, seminars and discussion. Beside this currently he is pursuing LLB and always inspires his team to learn and grow. A caring and supportive husband to his wife Mrs. Sneha Bhagat and an adorable father to his son Namya Bhagat, he never misses any chance to spend time with them which makes him a complete family person and he diligently maintains work-life balance. He owes his personal and professional successes to his lovely family and appreciates their constant support and unconditional love. An avid reader, Mr. Bhagat always finds time for reading and exploring new books which keep him updated and sharpen his knowledge. Beside this he is a spiritual by heart and thus finds his time to practice meditation and other alternative practice which is reinforced to his calm and positive personality.

Mr. Bhagat is passionate about transforming businesses, bringing new ideas to fruition and shaping future leaders.  Besides banking and finance industry, Mr. Bhagat has stepped into the Chemical Industry and thus he is mentoring and nurturing the industry with a constant focus on innovation, optimization and growth. Mr. Bhagat leads and believes in quality services and he directs his team to ensure efficiency, accuracy and accountability which help to achieve organizational growth and vision. Mr. Bhagat is actively involved in various initiatives that support society as he believes in giving back. Mr. Bhagat was 12 year old when he lost his father and due to that, his family was suffered lots of emotional and financial breakdowns and it was difficult time to fulfill his education need and being a humble and modest in his nature Mr. Bhagat is associated with a school to promote an education and also contribute in its growth. Beside this he is actively contributing his share to an old age home to ensure good care of their people.

The hardship of his personal life made Mr. Bhagat a visionary as well as helped him to shape his professional life.  A down to earth in his nature, Mr. Bhagat always finds his own way to help people. His recent hardship with insurance policy and claim process made him realized that every day thousands of people facing the some issue related to claims and do not know the actual procedure thus Mr. Bhagat has decided to explore this vertical with a aim to provide accurate and prompt guidance to help people gain maximum benefit of their policy for which they have paid their hard earned money as a premium. Mr. Bhagat has many plans for the future in Banking, Finance, Stock, Investment and Insurance Industry which not only help the common public but also the industry itself.

Few of Mr. Bhagat’s Achievements

• A pioneer in the unique credit rectification business for the first time in India.
• Conducted 400 Seminars in various banks.
• Conducted 50000+ Hours of Training.
• Implemented several strategic and tactical initiatives which helped Apoorvaa Foundation to grow at PAN India level with 108 Branches in 90 Cities of 21 States.
• Featured in Brandz Magazine and Unified Brainz Magazine.
• Under Mr. Bhagat’s leadership, Apoorvaa Foundation was appreciated with many prestigious awards and achievements.

(1)   Global Startup up Summit & Awards 2021 for Excellent Customer Service in Credit Rectification

(2)   GTF World Business Summit 2020 Awards for Best Credit Rectification Service – Banking & Finance

(3)   Achievers Icon awards 2020 Entrepreneurial Excellence in Finance & Credit Rectification Services

(4)   Pride of Indian Leadership Awards 2020 for Best Credit Rectification Services in India

(5)   Pride of Indian Leadership Awards 2020 for Best Credit Bureau Counselors in India

(6)   4^th Global Business Awards by Unit Asian-African Chamber of Commerce & Industry 2020

(7)   Best Excellence Awards 2019 for Best Credit Expert & counselors in India

(8)   India Excellence Awards 2019 for Best Credit Analysts & Counselors in India

Few of Mr. Bhagat’s Core Competencies

• Value driven decision making
• Visionary approach
• Mentoring, Coaching and People Management
• Strong Communication and Interpersonal Skill
• Governance , Risk and Compliance
• Team Building and Conflict Management
• Managing Change, People, Performance and Organization

Highlights Mr. Bhagat did not let limitations define his future and always believes that failures and doubts may discourage you but those are only a speed breaker not a stopper.  

Mr. Bhagat leads and believes in quality services and he directs his team to ensure efficiency, accuracy and accountability which help to achieve organizational growth and vision.