01
Analytical thinking
Learning to interpret financial statements, evaluate business performance, and understand risk.
Student · Grade 12
I learn by building, and I build where access is thin.
I'm Shivam Agrawal, a Grade 12 student at O.P. Jindal School in Raigarh, an industrial town in central India. Since Grade 8 I have been investing, writing and starting things: ventures in education, health technology and financial literacy, two published research papers, and fieldwork with self help groups in the villages around my town.
01
Analysis
Understanding markets, businesses, and risk.
02
Building
Building and testing ideas through real initiatives.
03
Access
Exploring how access to information and resources shapes opportunity.
A little context
A little about me
Where I come from, and what I have learned from it.
My curiosity started with markets: how they work, and how one decision changes things for a business or a family. It pulled me into investing, research, writing and building ventures, and eventually into the practical problems people face when they try to get access to anything, from credit to college guidance.
Growing up in Raigarh, Chhattisgarh, shaped how I think about opportunity. Working with farmers and self help groups, teaching personal finance in schools, and building ventures for students has taught me that most problems are about access, information and trust, and about the choices people make with limited resources.
I want to keep working on problems where careful analysis, building things and real people meet.
02
Building from scratch
Developing ventures, testing ideas, communicating with users, and responding to feedback.
03
Access
Understanding the barriers rural households and underserved communities face when navigating systems built for someone else.
04
Intellectual growth
Questioning assumptions, learning from setbacks, and refining ideas through research and experimentation.
Education
Academics
Grade 12 student · Raigarh, Chhattisgarh, India.
Grades 11 to 12
Expected May 2027O.P. Jindal School
CBSE · Commerce with Applied Mathematics
Grade 11: 94.4%, class rank 2
Grades 1 to 10
Completed May 2025Carmel Convent Senior Secondary School
ICSE
Grade 10: 97.8%, State Topper
Video
In my own words
A short video about where I come from and what I care about.
Explore
The work, page by page
Each part of my work has its own page.
01Ventures
From Ideas to Initiatives
Building, testing, and learning across education, health, and financial literacy.
3 ventures and 1 early venture
02Work experience
Work experience
Experiences that connected analysis with people, decisions, and day to day operations.
3 roles
03Research
Published research
Research on financial systems, infrastructure, and risks.
2 published papers
04Community
Access, Up Close
Learning what financial inclusion looks like in daily life, beyond policy and theory.
520+ volunteer hours
05Leadership
Leadership & Recognition
Initiatives, student leadership, and recognitions documented across school and community work.
4 roles · 2 programmes · 8 honours
06Certificates
Courses and certificates
Short courses I completed alongside school, and my volunteering certificate.
8 certificates
07Side builds
Vibe coding projects
Small tools I built with AI app builders.
4 tools