Credit & Debt Mastery
Smart goals, Safety nets, simple starts
Nikhil Sharma
ex-Goldman Sachs · Risk Analyst · 5 yrs · ₹60,000 Cr+
What you'll learn
What students are saying
What you'll master in
5 modules. Each builds on the last.
How CIBIL Actually Works
Payment history, utilisation, age of credit, enquiries — the formula behind your number.
The 4 Costly Myths
Checking your score lowers it? Closing old cards helps? No-cost EMI is free? All wrong. All expensive.
Credit Utilisation
Why this ratio matters more than payment history for most people.
Debt Payoff Frameworks
Two methods. One saves more money. One builds more momentum. Which is right for you.
Score Building & Repair
What moves the needle in 30, 60, 90 days. Practical steps for both situations.
What you walk away with
You'll walk away with 5 calculated numbers — on paper, for your life. The foundation everything else builds on.
Meet your instructor
Learn from someone who did this for a living
Nikhil Sharma
Co-Founder, CashFlowCrew
Nikhil spent 5+ years at Goldman Sachs managing risk for mutual fund and hedge fund portfolios worth over ₹65,000 Crore. His job was finding problems in portfolios BEFORE they cost money.
The tools he used daily — overlap analysis, risk-adjusted metrics, benchmark deviation tracking — weren't secret. The frameworks were publicly documented. His mission is to make these same tools accessible to every Indian investor.
Career Timeline
Pricing
Invest in your financial future
Choose the option that works best for you
₹399
One-time payment
7-day money-back guarantee
₹6,286
₹3,999
One-time payment · 1-year membership
100% money-back guarantee on your first course
Keep Learning
2 more beginner-level courses
6 Ratios + Emergency Fund
The 6 financial ratios that predict your financial future — emergency fund, debt-to-income, investment rate, insurance coverage, FIRE number. Calculated for your life. No jargon.
Expense Management + Net Worth
Track, measure, and optimise your expenses. Calculate your true net worth. Build a monthly financial dashboard that takes 15 minutes.
100% Money-Back Guarantee
If you go through the course and genuinely feel like you didn't learn anything useful — email us within 7 days. Full refund. No questions asked.
Group doubt-clearing
Live group session included with every course. Ask anything about the content. Session dates notified over email.
included free ✓1-to-1 mentoring session
45 min with Nikhil. Understand your financial concepts better. Clarify your thinking on asset allocation, risk, and strategy. Educational guidance — not investment advice.
this is an educational mentoring session, not investment advisory
Ready?
Take the first step towards mastering your finances. Join thousands of students who have transformed their financial future.
7-day money-back guarantee
Frequently Asked Questions
Got questions? We've got answers.