Financial Consulting for our community

As a collective of independent financial consultants, India Initiative helps Indians in Germany make clear-sighted decisions toward their financial futures. With personalized wealth building services, we introduce you to novel investment avenues and promote a holistic investment strategy in a multifarious sense.  

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Real Estate Investment

and related services
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Tax and Retirement Savings

Planning through investments

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Holistic wealth management services
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Career paths for you at India Initiative

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Welcome to India Initiative!

Welcome to India Initiative! We help you get started with your financial planning and investments. As your personal consultants, we bring you high-yielding investment opportunities through our premium partnerships and help you build your financial portfolio between India and Germany. As Indians ourselves, we connect and execute the best expertise of both worlds! 

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of combined experience

Our portfolio


Johnbir Mahal

Managing Director and Co-founder

As the co-founder and managing director of India Initiative, Johnbir performs multiple tasks for the team. From expansion, training, recruiting to strategic interventions he makes the vision of the company achievable. With more than 10 years of experience at DVAG - financial service industry and about 25 consultants in his team, Johnbir is able to position the investment products in our customer’s interests.
At India Initiative, Johnbir actively participates in expansion activities by targeting cities demanding enhanced India Initiative presence. As an avid real-estate investor, he additionally utilizes his expertise and network in obtaining profitable deals for our Indian customers.

Utsav Chawla


As the other co-founder of India Initiative, Utsav is one of the most versatile consultants in the team. He aligns his business and economics education in Germany with his passion for making financial synergies work in a way that do wonders for our clients’ portfolios.
Utsav’s affable personality and holistic approach towards wealth management which includes savings, insurances, retirement income, parallel income streams, real estate investments, tax optimization and diversification, allows him to build a long-term relationship with his clients and work with them in executing out of the box ideas.
At India Initiative, Utsav focuses on improving the customer journey alongside building a network of commercial partners so expanding the scope of services India Initiative has to offer.

Locations of Activity: Frankfurt, Munich and Dusseldorf

Amritpal Mahal

Financial advisor

Amritpal is one of the most experienced consultants of our team. Born and raised in Germany, her perspective and approach towards executing various investment opportunities here adds direct value to your potential portfolio. She specializes in Real estate financing, fund investments as well as retirement saving avenues. Not only can she cater to you in German, Hindi, Punjabi and English, she can also make sure your communication between the different investment organizations (such as Notar or Broker) is in place.
At India Initiative, Amritpal additionally leads as a training manager overlooking our consultants’ technical expertise and knowledge growth.

Locations of Activity: Stuttgart, Munich and Berlin

Jagraj Mahal

Financial advisor

Jagraj is known for being the most dynamic consultant at India Initiative. Bringing to the table his spontaneity and innovative solutions to customer’s problems, Jagraj manages to address all your concerns in a controlled manner. As a first generation Indian in Germany, he highlights all practices an expatriate must adopt to be financially stable in a opportunistic country such as Germany. Jagraj specializes in securing your retirement particularly in the area of subsidized state pensions and its tax implications.
Being in a mentoring role is intrinsic to Jagraj and thus at India Initiative, he contributes towards onboarding activities for our new consultants.

Locations of Activity: Greater Munich area

Anubhav Anand


As an Indian settled in Germany, Anubhav defines the true essence behind India Initiative. With his proficiency in international business management alongside in-depth investment analysis and portfolio management expertise, he is able to thoroughly guide his customers. Focusing on high net real estate financings, tax advisory and fund investments, Anubhav maintains a large network of nationwide brokers, real estate builders, tax advisors and translators. At India Initiative, Anubhav contributes towards strategic growth and customer product development thereby promoting overall success within the company.

Locations of Activity: Frankfurt and Stuttgart

Priya Multani

Financial advisor

Bringing educational expertise from multiple industries, Priya is a consultant with a refreshing outlook. Aside from her economical sense towards the financial market, her guidance for retirement savings, insurances, income protection plans and more make our customer’s future needs accounted for. As an expatriate herself, she brings a different outlook of the investment strategies from India and help clients sew their investments better between the two countries.
At India Initiative, Priya also manages marketing and onboarding activities with special focus on new partner/consultant orientation. Her involvement is highly strategic and contributes to much development of India Initiative’s processes for our customers.
Locations of Activity: Stuttgart

Anirudh Khanna

Financial advisor

Antonia Maringgele

Head of Backoffice

Antonia is the backbone of India Initiative. She successfully manages customer-service operations as well as overlooks day-to-day excellence. Her team makes sure to coordinate your claims and proposals with participating investment organizations while also catering to process development within India Initiative. With a growing Indian customer base every day, Antonia enables smooth functioning within the machinery of India Initiative.


Frankfurt am Main

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We know how curious and investment-savvy our customers can be! Would you also like to learn more about fund investment tricks or maybe go through the step-by-step documentation behind buying real estate in Germany? Our compilation of such relevant processes and product-specific recommendations can help you position your money better! As a bonus, you can also learn from our case studies! 

Coming soon


We keep you up to date with the ever-evolving German investment opportunities. From basic to crypto, count on India Initiative in providing you valuable insights. Our events and organized activities in Germany for the Indian community are a plus!

**Coming Soon**


Want to gain deeper understanding of the products and services offered through India Initiative? Or perhaps understand the market directly from our horse’s mouth?
Gain access to the insights in the form of webinars, courses or short videos from our experts and financial consultants. These opinions can instantly guide you towards making better informed choices for your critical investments. For example, check out our recent Baufinanzierung talk!

Available Talks


Who are we?

India Initiative is a collective of independent financial consultants catering to the financial well-being of Indians based in Germany. As Indians ourselves, we bring to the table exposure (both from India and Germany), curated and tailored advice and synergized solutions from banks, investment organizations and insurance companies.  

Spread across multiple cities, our presence and expertise has helped hundreds feel integrated and on path to their envisioned financial goals. Our added ability in helping our customers integrate their Indian financial portfolio with that of here makes India Initiative a platform for complete holistic advice. 

Where are we located?

Continuously expanding, India Initiative presently has strong presence in Frankfurt, Munich, Stuttgart, Berlin, Augsburg, and Dusseldorf. We are currently also striving to be expand to Darmstadt and Nuernberg amongst other cities. 

Is your city not one of the above? Email us at and we will put you in touch with one of our closest placed consultants. OfCourse, virtual meetings are always an option. 

India Initiative, additionally, organizes events in cities with high consulting requests. Subscribe to our newsletter or follow us on Facebook for the next event around you! 

What services do we offer?

India Initiative is proud to be able to offer all bancassurance services including real estate investments. From your basic insurance needs to securing your own and your kid’s futures; our consulting covers a 360-degree perspective of how your finances must align to your goals.  

Why chose India Initiative?

Our team places high value on customer satisfaction! We realize how pivotal it is for expatriates to feel safe financially in a country that’s new in regards more than one. Our consultants make sure to empower you with the know-how and walk you through the complete path of understanding the products to implementing and tracking them. Additionally, our extensive partner network and infrastructure from one of the biggest wealth management companies in Germany – DVAG makes sure you are well-taken care of.  

Book your first free consulting session with us and judge our service for yourself! 

How can I get in touch?

As India Initiative’s presence is widespread, getting in touch with any one of our consultants is very easy. Just visit the Contact Us/Locations subsection of our webpage and contact the individual of your choice in your city! You can also book a session with us through an email on or directly email one of our consultants near to the city of your residence 

Can I be involved with India Initiative?

Are you willing to join India Initiative as a consultant? Or maybe an Intern? Are you also looking for a part-time hustle? 

We are constantly looking for motivated individuals who can realize our mission and involve themselves within the Indian community in Germany. Please send us an unsolicited application with your cover letter expressing your specific interest and we can thereafter revert to you accordingly. Know more under our Career subsection!  

Do I really need personal financial consulting?

How can you feel the absence of something that’s not been experienced yet? Let us take you on a one-to-one session and show you the impact that knowledge and expertise can bring to your financial life. We believe that everyone should handle their own finances but getting a coach/consultant to guide you towards informed decisions while handling your hard-earned money is also priceless. 

Your goals could be as direct and simple or be highly complex and over-achieving, our consultants know how to make sure your steps (in attaining them) are well protected and translate into definite results. 


We have an answer to every one of your concerns about our services. Ask us.

Contact us
India Initiative
Lohwaldstr. 63
86356 Neusäß
+49 (0) 157 923 998 85