A team between two worlds.
India Initiative is a collective of independent consultants. As Indians ourselves, we bring the best expertise of India and Germany to your financial decisions.
Founder & Management
Johnbir Mahal
Co-founder and managing director of India Initiative. With more than 10 years of experience in the financial service industry, Johnbir leads expansion, training, recruiting and strategic interventions to position investment products in our customers' best interest.
Amritpal Mahal
Born and raised in Germany. Specializes in real estate financing, fund investments and retirement savings. Speaks German, Hindi, Punjabi and English, and also leads training for our consultants.
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Utsav Chawla
One of the most versatile consultants in the team. Aligns business and economics education in Germany with a passion for financial synergies — savings, insurances, retirement income, real estate, tax optimization and diversification.
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Anubhav Anand
Defines the true essence behind India Initiative. Focuses on high-net real estate financings, tax advisory and fund investments, maintaining a nationwide network of brokers, builders, tax advisors and translators.
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Jagraj Mahal
Known as the most dynamic consultant at India Initiative. As a first-generation Indian in Germany, Jagraj specializes in subsidized state pensions and their tax implications, and contributes to onboarding new consultants.
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Antonia Maringgele
The backbone of India Initiative. Manages customer-service operations and day-to-day excellence, coordinating claims and proposals with our investment partners.
Betina Moder
Dedicated to delivering excellent customer experiences and supporting our clients with their day-to-day inquiries and service needs.
Karren Rodriguez
Committed to ensuring every client interaction is handled with care, professionalism and attention to detail.
Chavvi Kapoor
Passionate about helping clients navigate their questions and providing seamless support across all touchpoints.
Team Berlin
Parikshith Agarwal
Focuses on real estate financings, tax advisory and fund investments. Maintains a network of brokers, real estate builders, tax advisors and translators across Germany.
View profileJagraj Mahal
Known as the most dynamic consultant at India Initiative. As a first-generation Indian in Germany, Jagraj specializes in subsidized state pensions and their tax implications, and contributes to onboarding new consultants.
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Gaurav Rathi
Guides clients across retirement savings, insurances and income protection. Helps clients align investment strategies between India and Germany.
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Priyesh Desai
Experienced advisor helping clients build robust financial plans across savings, investments and long-term wealth strategies.
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Harsh Singh
Eager to learn and grow, supporting the team with research, client onboarding and day-to-day consulting operations.
Gaurav Gowda
Contributing to research, process improvement and supporting senior consultants with client deliverables.
Team Frankfurt
Utsav Chawla
One of the most versatile consultants in the team. Aligns business and economics education in Germany with a passion for financial synergies — savings, insurances, retirement income, real estate, tax optimization and diversification.
View profileAnubhav Anand
Defines the true essence behind India Initiative. Focuses on high-net real estate financings, tax advisory and fund investments, maintaining a nationwide network of brokers, builders, tax advisors and translators.
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Anirudh Khane
Focuses on real estate financings, tax advisory and fund investments. Brings international business management expertise alongside in-depth investment analysis.
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Arjun Parab
Brings strong analytical skills and client-focused advisory across investments, real estate and retirement planning.
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Abhimanyu Gehlot
Supporting clients and the team with financial research, product analysis and administrative excellence.
Naresh Kumar
Dedicated to delivering quality support in client onboarding, documentation and day-to-day consulting tasks.
Want to join us?
We are constantly looking for motivated individuals — consultants, interns, or part-time partners — who want to realise our mission within the Indian community in Germany.
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