" I switched my financial planning arrangements to Ranjit of Atwal Financial as my previous advisers had shown little attention to my requirements and providing any on-going servicing. Further, my previous advisers (yes, they changed regularly) and his company had shown a complete lack of due care in setting up my plans to suit my needs and thus were not in my best interests. After working with Ranjit, he has continuously and regularly provided me with excellent service, contemporary and relevant advice and has worked tirelessly to rectify the errors of my previous adviser. I have no hesitation in recommending Ranjit and Atwal Financial. It’s just plain nice and comforting to have the same adviser, get a longer relationship, create a history, and not start from scratch each time. And when the advice then generates noticeable financial benefits, what more could you ask for? "


" 3 years after my QROPS portfolio had been set up I had become totally disillusioned with the service being given by my financial advisor - fortunately my Trustee suggested I contact Atwal Financial which I’m glad we did!

Ranjit has managed to find a solution to turn the portfolio round from miserably failing to meet its objectives, losing 5% per year and costing tens of thousands of pounds in high management fees to a forward looking lean picture of decent yields and capital growth - we’ve been working closely together now for 3 months and would strongly recommend anyone to see what he may be able to help you with. "

" Ranjit Atwal & Atwal Financial has provided me with a high level of servicing in relation to my investments and has efficiently handled all of my requirements over a number of years. "


" Since first meeting Ranjit in 2007 back Tokyo, he has continued to provide me with sound financial advice and has helped me grow my savings portfolio with regular contact and updates. Ranjit has the ability to take what seems complicated and make it easy to comprehend so that I can make the best decision for my investment needs. I would have no problem in recommending Ranjit to my friends and colleagues as I know they will be in safe hands. "

" I have known Ranjit for more than 15 years. Ranjit has been providing cost efficient financial advice and helped to construct a well balanced portfolio for me to achieve superior risk return profile. After the maturity of my previous policy in 2018, Ranjit has followed up and advised switching over to a more efficient platform with a broader access of wholesale funds which I wouldn’t otherwise have known about. I will not hesitate to recommend Ranjit for investment advice. "


" I have used Atwal Financial as my advisers since 2002 when I was working and living in Tokyo for 18 years as General Manager of the world famous Tokyo Sports Cafe. I have since relocated back to the UK and still receive great service from Ranjit who regularly helps and advises me. "

Paul Wagstaff, Tokyo & UK
23 September 2019

" Atwal Financial's The India Desk have been instrumental in setting up RST Clinics Ltd in India www.rstclinics.com and we have secured an on-going relationship to provide business strategy and to fulfill our company administration requirements. Their service is hands-on and personalised, everything we need to focus on our strenghts in relation to our business. "

Dr Sagrika Shukla, Periodontist
AIIMS Rishikesh & Director RST Clincis Private Ltd India
July 2019

" I have worked with Atwal Financial since the early 2000’s and Ranjit has worked diligently to report on all matters relating to my financial planning and I have no hesitation to recommend him "

Ramesh Kurunathan, VP Corporate Technology, Tokyo
Morgan Stanley Japan 2000-2006 2014 - Present, VP, JPMorgan Technology, UK
15 April 2019

" I have worked with Ranjit for more than 15 years and have found him to be reliable and knowledgeable about financial planning. He has always provided me with the information I have needed and I have no hesitation in recommending him and Atwal Financial "

Hans Katayama, President
Katapult Translation Corporation, Tokyo
08 April 2019

" I have been working with Ranjit of Atwal Financial for many years... since 2005 when I was at Morgan Stanley Japan. In our first few meetings he has established the trust... & I have always truly relied on him for his (investment) recommendations. He is professional & efficient... always keeps me updated on my financial plans. His India Desk has also offered valuable remote assistance with me dealings in India since I have been US based. I would be happy to recommend him to anyone looking for a financial adviser. "

Raja Ghosh,
Morgan Stanley USA, Vice President
September 2018

" I have used Atwal Financial as my advisers since the early 2000's when I was working and living in Tokyo as an Executive Director with Morgan Stanley and still continue to do now that I am in the UK "

Robert MacDermott,
Previously with Morgan Stanley Japan
August 2018

" The India Desk of Atwal Financial advised me about the requirements for a cross-border telegraphic transfer from India to the UK. As I am based in Oslo, it was vitally important that I appointed someone who is knowledgeable in the nuances of NRE and NRO accounts, which belong to my parents. Also relevant was taxation and the different rules depending on the involved parties tax jurisdictions. I appointed The India Desk for remote assistance and they meticulously guided me through the transfer forms as well as collecting all relevant documentation to make the process hassle-free, which was reassuring as I am in Oslo. I have no hesitation in offering this recommendation. "

Dr Shelley M Khullar Godtfredsen,
FDSRCS MsC. Ph.D/dr.Odont, Specialist in Oral Surgery (UK & Norway)
March 2018

" I have found Atwal Financial to provide an efficient, professional and reliable service. After 4 years receiving their advice and financial guidance I would not hesitate to recommend their services. "

Richard McCallum,
Managing Director UK India Business Council, New Delhi
November 2017

" I am please to recommend Rajiv (Financial Strategist) and the services of Atwal Financial’s The India Desk. They have put together a hard working, lean and efficient portfolio of funds within my QROPS Trust. My previous adviser had little knowledge about how to handle my overseas pension and I was bounced from one adviser to the next. I am pleased, therefore, that I am now working with advisers who are knowledgeable, experienced and consistent. "

Dr Atul Prakash,
Senior Consultant Joint Replacement and Reconstructive Surgery, Tata Steel Limited India
September 2017

" I would like to recommend Ranjit Atwal & Rajiv Inamdar of Atwal Financial’s The India Desk who I started working with 18 months ago, they have helped me with growing my overseas pension as well as other cross-border financial planning issues. They have proven to be professional and knowledgeable with matters related to the UK as well as reliable. "

Dr Ranjana Sharma,
Senior Consultant Apollo Hospitals New Delhi
August 2017

" I am quite happy working with Ranjit Atwal & Rajiv Inamdar of Atwal Financial’s The India Desk, finally I can rely on these advisers to manage my QROPS UK pension transfers. I have no reason not to recommend them to help you. "

Dr Preeti Rastogi,
Obstetrics & Gynaecology at Fortis Memorial Research Institute Fortis Healthcare India
August 2017

" I am happy to refer Ranjit Atwal & Rajiv Inamdar of Atwal Financial’s The India Desk. They have turned around the performance of my QROPS UK pension by reshuffling the funds with a focus on performance which has led to excellent results. They provide me with quarterly updates and have proven to be very professional and focused. "

Dr Gaurav Bhardwaj,
Chief Arthroscopy Knee & Hip Replacement PSRI Hospital New Delhi
July 2017

" The India Desk act as my advisers for cross-border financial planning and the management of my overseas QROPS Pension arrangements. They have proven to be professional and effective in the services they offer. "

Dr Rakesh Jain,
Senior Consultant Paediatric Neurologist, Fortis Hospital, Gurugram, India.
July 2017

"I am very pleased to recommend Ranjit Atwal as a great financial advisor. Ranjit came to me during my 4 years of living in New Delhi and got me into thoughts of managing my finances for the future. He is extremely knowledgeable and punctual person and I am very happy to continue trusting him even now from the USA. Thank you Ranjit for all your professional work. Keep it up! "

David Chmel,
Vice President of Operations at BTL Industries Inc. New Delhi
January 2017

" This is from my parents who don’t have Facebook: Ranjit Atwal at the India Desk has been extremely knowledgeable and helpful. We can highly recommend him, particularly to any UK expats looking for good financial advice. "

Chloe Orlando,
August 2016
Via

" When my previous consultant, a reputed 'big player' in the financial services market, totally screwed up and turned out to be not the least interested in my concerns, i came to know about Ranjit and requested him to help restructure my portfolio. He did so with great professionalism and expertise and without gaining anything out of the situation. I highly appreciate his help and ongoing consultancy, and i can highly recommend anybody to work with him. Continue your good work, Ranjit "

Martin,
Former long-term expat to India
August 2016, Via

" To Whome It May Concern:
I hereby recommend Ranjit Atwal as personal financial consultannt. Ranjit contacted me when I was working as the MD for Volvo Cars in India in November 2014. Ranjit came to visit me in my office and with in 2 days, Ranjit had very clearly outlined my financial situation at the time and how it would look like in the coming years. Ranjit has assisted me in understanding the importance of long term financial planning. He is a very honest and always has the customer first interest in hand. Since I have started my long term plan with Ranjit he has constantly come back to me informing me of how my plan is progressing and giving advice of how best to preceed. Future financial planning is a must and Ranjit is the person who can assist you with your personal planning.
Best regards"

Tomas Ernberg,
Former MD Volvo Cars India
November 2016, Via