Ra Ma. Palaniappan

Keynote Speaker with a passion to advocate debt free life.

Author of the book ‘Zero EMI – Unlock Your Financial Freedom’

Ex-Banker turned IT Program Manager with 15+ years of corporate experience.

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Financial Freedom

Create assets. Build wealth. Remove debt. As a speaker, I help you on the path to financial freedom. A bucket with holes will leak water! A life of debt will leak happiness. Invite me to speak about leading a debt free life and a life of financial freedom.

Personal Finance Management

Declutter your personal finances. Bring some discipline so that you do not need to panic at times of crisis. I help you to be well-organized and prepare you to face the unprepared situations. Do not panic. Let us work together to manage your personal finances better.

Zero EMI

Zero percent EMI is a myth! Zero EMI is a bliss. Establish your financial goals, draft a plan and work towards it. Does this sound like an open-heart surgery? Do not worry. I am coming up with a book that will help you to lead a Zero EMI life. Trust me, Zero EMI can become a reality for you.
Ra Ma. Palaniappan’s innate passion for Financial management shines through anytime you talk to him. His approach is very practical and following his tips & tricks will help you get to you a better place financially. It is clear he is suggesting any of what he does, post his personal experience so he is very adept at answering any questions. Attending his sessions has an eye-opening exercise and I am very happy he has started a blog to share with more people. Good luck Palani!
Jayashree SundaresanDirector – PayPal India Private Limited
Ra Ma. Palaniappan is a well-recognized speaker and a humble leader. His speeches exhibit his passion to inform and inspire the audience. Palani is always focused on the message and he goes the extra mile to keep his speeches engaging to the audience. Palani's speeches on leading a debt-free life and finance management are always insightful and they offer practical tips and unique take away values, to the audience.
Saro VelrajanChief Strategy Officer at Ginkos and Former Delivery Head at Verizon
I have known Ra Ma. Palaniappan for the past 10 years. An avid and an enthusiastic speaker. He creates a positive atmosphere around him. I always look forward for his speeches as the content is very informative, easy to understand and with real life examples. I also look forward to the subtle fun elements in his speech. Recently I heard his speech on EMI and I swear it was a life changing and an eye opener speech. Now I would think 10 times before opting for an EMI.
Sridhar GoturuAssociate Director, Cognizant India
Ra Ma. Palaniappan is an exceptional speaker! The hallmark of a seasoned speaker is to understand the pulse of the audience and convey the message in a simple yet powerful way such that it touches the heart! He is one such powerful speaker! He knows his audience well and weaves magic through his riveting speaking prowess!!
Shreedevi RameshEntrepreneur, Coach, Mentor
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