Know your advisor
Atul Roy.
Investor. Trader. Educator.
The person behind Samvaya.
I bring seven years of experience in the markets as an investor and trader, alongside a background in finance and education. My aim is to make the reasoning behind financial decisions clear enough to understand and question.
Atul Roy
Finance · Education · Mountains
Finance
MBA, Finance
ITM Business School, Navi Mumbai
Education
MA, Education
TISS, Mumbai
Markets
7 years of experience
Investor & trader
Beyond the desk
Basic Mountaineering Course (BMC)
from NIMAS
Get to know Atul
My story
The educator behind the investor.
I have spent much of my working life helping people understand complicated things. Finance is a continuation of that work.
Alongside seven years in the markets as an investor and trader, I bring nearly a decade of experience in education and EdTech. My work spanned community building, content and learning strategy, including roles as Chief Community Manager at BYJU’S Exam Prep and Content Head at Study24x7, alongside work with Pratham. I also built and operated Eazyprep, an online exam-preparation platform.
That experience shaped how I think about investing: the explanation should be as clear as the analysis. A conclusion becomes useful when you can understand the evidence, the assumptions and the risks behind it.
Earlier chapters
BYJU’S Exam Prep · Pratham · Study24x7 · Eazyprep
Past organisations, not partners or endorsements.
Selected accomplishments
A few milestones along the way.
Trading, learning and community building have each shaped the way I work today.
Champion Trader
Champions Club · Jan–Mar 2025
Recognised as a Champion Trader in the Afzal Lokhandwala Champions Club trading competition.
1.5 lakh
Learners in a UPSC community
Built and led the UPSC learner community at BYJU’S Exam Prep, alongside a team developing learning content.
Two interviews
UPSC Civil Services Examination
Reached the interview stage twice during a six-year preparation journey, after appearing in the Mains examination four times.
In conversation with Afzal Lokhandwala
The method behind the trades.
In this conversation with Afzal Lokhandwala, I explain my trading method and the process behind my decisions.
Recognised as a Champion Trader in the Afzal Lokhandwala Champions Club trading competition, January–March 2025.
Photographs from Champions Club
Sharing my approach on stage.
The Champion Trader award presentation.
Champion Trader · January–March 2025.
Writing & media
Writing that makes ideas accessible.
My writing and expert commentary on education and UPSC preparation have appeared across:
The Hindu
The Indian Express
DNA
The Statesman
Jansatta
India Today
Explaining complex subjects has always been part of my work.
The Hindu · Education
The Hindu · Education
DNA · Education
More writing and media coverage
The Indian Express · Media coverage
UPSC Civil Services exam prelims 2017: a three-step approach to solve the paper
The Indian Express · Expert commentary
Jansatta · Media coverage
India Today · Media coverage
The Statesman · Article
The Statesman · Newspaper clipping
My approach
You should be able to follow the reasoning.
Business fundamentals, market behaviour and risk belong in the same conversation. So do the things we still don’t know.
Explore my GRIP research framework
G
Growth
How fast is the business growing?
R
Runway
How big is the opportunity?
I
Inflection
Is it the right time to invest?
P
Positioning
Am I paying a fair price?
01
Explain the evidence
Connect the business, its financials and the market’s expectations. Make the assumptions visible.
02
Respect the downside
Ask what can go wrong and how much risk a decision carries before focusing on what it might earn.
03
Keep the context
A research view and a household financial decision answer different questions. Goals, time horizons and risk matter.
04
Stay willing to revise
A changed business, a changed price or new evidence can require a changed conclusion.
Notes from X
Read how I think.
Company research, market observations and the questions worth asking before an investment decision.
Selected archived excerpts · September 2026
AR
Atul Roy
@IamAtulRoy
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Sector research · Thread
India has approved ₹13 lakh crore of defence buying in three years. But HAL has 180 Tejas Mk1A fighters on order…
25 Sep 2026
AR
Atul Roy
@IamAtulRoy
𝕏
Building Samvaya · Research
For the past couple of weeks, I’ve been working on a company 1pager format for @SamvayaAdvisors. The idea is simple: bring the key parts of…
24 Sep 2026
AR
Atul Roy
@IamAtulRoy
𝕏
Investing basics · Thread
₹200 Cr profit on the P&L. Negative operating cash flow. Suppliers waiting 120 days to be paid.
All three can appear in the same quarter.
The bridge between reported profit and actual cash often lies in working capital, and most investors barely check it.
4 Sep 2026
Beyond markets
Mountains, patience and perspective.
Outside the markets, I spend time trekking and photographing nature. I completed the Basic Mountaineering Course (BMC) from NIMAS and regularly explore the Himalayan landscape.
The mountains keep a few lessons close: prepare carefully, respect the conditions, and be willing to change the plan. Patience and judgment matter there, too.
Start with a conversation
Know the person.
Understand the approach.
Ask about the thinking, the process and what working together involves.
This page introduces the person and research approach behind Samvaya. Public posts are general commentary and do not constitute personalised investment advice.