Fintech Startup

Associate

Securities and Exchange Board of India (SEBI)

Young Professional - Security Market Operations (YPP)

Strategy and Transactions- Investment Banking

Senior Analyst

Acuity Knowledge Partners

Investment Banking Associate

Deloitte India (Offices of the US)

International Tax Consultant

Supertech Limited

Trainee Associate- Summer Internship Program

Future Group India

Management Trainee

EY|M&A|nvestment Banking|Ex Moody’s Analytics|Member at Leap.club| Fintech Learner| Ex-Deloitte

Holds expertise in M&A research and analytics to identify valuable business opportunities and effectively support leadership in target identification. My recent completion of a Business Analytics program from IIM Kozhikode has sharpened my quantitative analysis and strategic modeling skills, enabling us to transform complex data into meaningful insights.

At Acuity Knowledge Partners, we cultivated a deep understanding of the M&A lifecycle and honed my abilities in deal analysis and pitchbook preparation. My proficiency with research tools like Refinitiv and Capital IQ, combined with my certifications in Google Analytics and Financial Statement Analysis, contributes to our team's strong performance in the dynamic investment banking sector.

Shivani Gera

I still remember the day I rejected a ₹30 Lakh package in Bangalore to earn ₹20 Lakhs in my hometown.

I thought may be I’m missing out on the exposure.. To the world, I lost ₹10 Lakhs a year. But my Calculator told me I actually gained money.

We are obsessed with the CTC (Cost to Company). We forget to calculate the CTS (Cost to Self). Here is the simple "Unit Economics" of my decision:

Scenario A: In Bangalore (₹30 LPA)
• In-Hand Salary: ~₹1.95 Lakhs/month
• Rent (Indiranagar/Whitefield): -₹40-50k (Depressing 2BHK)
• Cook + Maid + Groceries: -₹15k
• Cab/Uber (Surge Pricing): -₹10k
• Weekend parties/Eating out): -₹15k-20k
• Net Savings: ₹90k-1lakh (Plus: Hairfall, Back pain and 2 hours in traffic).

Scenario B: The Simple Life in Hometown (₹20 LPA)
• In-Hand Salary: ~₹1.30 Lakhs/month
• Rent: ₹0 (My own room)
• Food: ₹0 (Mom’s home-cooked food)
• Travel: -₹2,000 (Petrol)
• Lifestyle: -₹5,000 (Coffee with school friends)
• Net Savings: ₹1.18 Lakhs (Plus: 8 hours of sleep and peace).

By moving to the Metro, I wasn't richer.
I was just working hard to transfer money to my Landlord, Uber and Zomato.

That extra ₹10 Lakhs on paper was just a "City Tax" I paid to look successful on LinkedIn. Success is not the number on your Offer Letter. Success is the number in your Savings Account.

I chose a smaller package, but I bought a bigger life.
Would you take a pay cut to move back home?

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If this post is coming on your feed, I want your 2 mins to 𝐏𝐀𝐔𝐒𝐄 and 𝐓𝐇𝐈𝐍𝐊!!

If women woke up tomorrow and decided they really liked their bodies, just think how many industries would go out of business.

It sounds like a hypothetical scenario, right? But looking at the numbers, it’s actually a terrifying prospect for the Global and Indian economy.

We are always worried about AI or Automation disrupting the market. But we rarely talk about the silent engine that powers a massive chunk of our GDP: Insecurity.

Dr. Gail Dines wasn't just making a social statement with that quote. She was highlighting a fundamental business reality.
The "Insecurity Economy" is a multi-billion dollar machine.

✅Fairness Creams: Run on the belief that you are "too dark."
✅Weight Loss Teas: Run on the belief that you are "too heavy."
✅Fast Fashion: Runs on the belief that your is "outdated."

These industries do not sell products based on your needs. They sell products based on your manufactured inadequacy. They need you to look in the mirror and find a flaw.
Because a satisfied woman is a "bad" customer. A satisfied woman stops spending money to fix herself.

Your insecurity is the only thing keeping half the Fortune 500 companies alive.
Remember, if self-acceptance went viral tomorrow, it wouldn't just be a trend. It would be an economic crisis for these sectors.
Loving yourself isn't just a soft, emotional act of self-care.

In a world that profits from your self-doubt, it is a radical act of economic rebellion.

Now tell me- What is the last thing you bought just to "fix" a flaw?
#flawlesseconomy

The Day Money Stopped Working.

I checked the currency rate for Iran today. It showed 0.00.

I thought it was a glitch. It wasn’t.
The Iranian Rial has crashed so hard that 1 Indian Rupee is now equal to ~11,081 Rials.

To put that in perspective:
If you dropped a ₹10 coin on the street in Tehran today, you would be dropping 1,10,818 Rials.

This isn't just "economics." This is a humanitarian crisis.
• Inflation is over 40%.  
• Food prices have jumped 70%.  
• Savings have been wiped out overnight

Iran is a massive buyer of Indian Basmati Rice and Tea. With their currency worthless, they cannot pay our exporters. Watch out for Indian Agri-export stocks taking a hit this week.

We complain about 6% inflation, but we forget that financial stability is a luxury. Paper money is just a promise, and in Iran, that promise just broke.

If the Rupee crashed 50% tomorrow, what’s the one asset you’d wish you owned? Gold? Bitcoin? Real Estate?

Let me know in the comments. 👇
#currencycrisis

Why your in-hand salary might go down in 2026 even if you get a hike.

I know, it sounds like a mathematical error, but it’s the new legal reality. If you are expecting an appraisal letter this March, don't just look at the CTC. Look at the Structure.

Here is the "Invisible" change happening in your salary slip due to the New Labour Codes (specifically the Code on Wages):

The "50% Rule" Explained:
Previously, companies kept your "Basic Pay" low (30-40% of CTC) and loaded the rest into Allowances (HRA, LTA, Special Allowance).

But why? 
To keep the Provident Fund (PF) liability low.

The New Rule:
Now, Basic Pay (+ DA) must be at least 50% of your total CTC.
The Ripple Effect:
1. Basic Pay goes UP ⬆️
2. PF Contribution (12% of Basic) goes UP ⬆️
3. Take-Home Salary goes DOWN ⬇️

While your monthly cash flow might dip, your Retirement Corpus (PF + Gratuity) will grow much faster. It is essentially "Forced Savings."
Also, Gratuity eligibility is changing. Fixed-term employees can now claim gratuity in just 1 year (instead of the old 5-year wait).

In 2026, with inflation where it is - would you prefer more Cash in Hand today or more Security for tomorrow?

Let me know in the comments. 👇
#salaryhike

I noticed a pattern.

Any protein post →Jethani Ji appears → vada pav is declared superior → influencer cited → chaos follows.

Who is she? What is happening? Is this accidental… or coordinated?

Asking for the entire LinkedIn feed.

The old rules of real estate are changing!

Everyone says it’s about “Location, Location, Location.”

But watching Raj Shamani’s reel highlighting two of India’s fastest-growing companies being in real estate - I realized the real story is actually about Allocation.

Most developers operate under “Project Risk” - hoping one big launch succeeds.
Godrej Properties Limited flipped that script. They moved to “Pipeline Risk” building a factory of predictable wins.

They didn’t just get lucky. They engineered it:

Raised a ₹6,000 Cr QIP to stay cash-rich

Locked in ₹23,450 Cr in future bookings through business development

Delivered 54% volume growth while others slowed down

They stopped trying to be “hit-makers” and became master allocators.

The result isn’t a spike. It’s a staircase.

In your industry, does the market reward the flashy launch or the boring consistency?

Don’t forget to check out the video👇
https://lnkd.in/gwaK6zNW

#RealEstate #BusinessStrategy

I learned early in my finance career that the one shouting about their numbers usually has the most to hide. 

The one who stays quiet and just slides the report across the table? 
That’s the one you watch.

I saw the same thing happen in the newspaper today.
Usually, tech ads are screaming at you. Flashy slogans. Big promises. "Game-changing" buzzwords.

Then I saw this front-page ad from Xiaomi.
No screaming. No hype.
Just a blind camera test.
Four photos side-by-side. Three competitors, one REDMI Note 15.  

They didn't tell me which one was better. They just put them there and let me look.

And honestly? The difference was obvious.  
It stopped me because it felt... refreshing.
It’s a strategy I’m trying to adopt in my own life: Proof before promises.  

If you have to explain why you’re good, you probably aren't.
But if you have the guts to put your work next to the competition and say, "You decide"?
That is confidence.
That is disruption.  

I don't know everything about this phone yet, but for the first time in a while, I’m actually curious.

Because they didn't ask for my attention - they earned it.  

Have you seen the ad yet? It’s a bold move.

Here is the trap 90% of investors fall into!

They buy the Story, not the Math.

First, the world went crazy for Gold.
Then, the crowd rushed into Silver ETFs. Now, suddenly, everyone is an expert on Copper and whispering about Aluminum.

I can write the ending of this movie for you right now: Next, it will be Uranium.

The script is already written: Nuclear energy is the future. We need power. The logic is sound. But does this feel like investing, or does it feel like a trend?

It feels like the market is just picking the "Commodity of the Month" to drive crazy momentum in stocks.

Just because the narrative makes sense, doesn't mean the hype is safe. The market loves a good story. It loves to rotate money from one shiny object to the next.

Watch the show. Understand that which commodity is next in line. But please, do not make financial decisions just because the crowd found a new favorite metal.
History repeats itself. 

Don't be the one holding the bag when the movie ends!
#fomo #investing

PepsiCo’s first new brand in over a decade – Red Rock Deli!

Designed for mindful indulgence, Red Rock Deli blends global flavour inspiration with premium craftsmanship to redefine the modern snacking experience
 
The 18 secs launch film of Red Rock Deli with 4 different portfolios i.e. Kettle, Baked and Popped brings it’s philosophy to life through a flavour-first, sensorial narrative, using rich textures and global taste cues to immerse viewers in the brand world rather than just product and idea selling. The storytelling mirrors the brand’s intent as an intentional premium snack range that celebrates exploration while staying mindful
 
That journey extends beyond the screen through a thoughtfully planned 360° rollout across digital platforms, mobility touchpoints, commerce and culture, meeting consumers in real-life moments
 
Made with sunflower oil across portfolios, backed by 40% less fat in Baked Portfolio, and Popped with rice & veggies, the brand stays grounded in substance and with flavours like Basil Thai Sweet Chilli, Cheddar & Parmesan Risotto Style, Olive & Greek Salad, and Cheese & Korean Buldak, the adventure continues well beyond the film
 
Red Rock Deli redefines premium snacking as a flavour-led journey crafted with intent and meant to be explored
#collab #RedRockDeli #RedRockDeliIndia #RRDIndia

We ask a startup founder for accountability on jobs but we let the system off the hook. Why?

I watched a podcast recently for which people were grilling a founder about employment and firing.

Why aren't you hiring more?
Why is the pay low?

It is funny. We demand accountability from a businessman trying to survive a brutal market, yet we hesitate to ask the same questions to the highest offices in the country.
• Where are the jobs?
• Where is the infrastructure?
• Where is the return on my tax money?

We’ve normalized questioning entrepreneurs like they’re policymakers, while treating policymakers like spectators.

Founders respond to incentives.
Systems create incentives.

If the ecosystem is broken, blaming the smallest visible player won’t fix it.

Maybe the real accountability gap isn’t in boardrooms - it’s in what we choose not to question.

What do you think - are we asking the right people the hard questions?
#hardquestions

The 'Perfect Profile' is a lie!

Look at the profiles on your feed. Flawless career paths, glowing recommendations, rapid promotions and strategic job changes.
It’s a perfect narrative. But we’ve made the mistake of letting it become the only definition of success.

This relentless pursuit of the "perfect profile" is creating a silent crisis.
I know a 'perfect candidate' - top tier education, stellar firm experience, the kind of trajectory we are taught to chase. Yet, behind the carefully curated LinkedIn updates, the reality is a story of extreme burnout, crippling imposter syndrome, and a constant fear of failure.

We’ve become so obsessed with looking successful that we’re forgetting to actually be okay…

It's time for a mindset shift. Pls ask yourself:

Is a 40 Lakh package actually worth it if it costs you your sanity?

Is a career gap a "red flag," or is it just life happening?

Stop letting an algorithm dictate your self-worth. Real growth is messy. It’s difficult. And it’s rarely perfect.

Don't let the highlight reel of social media dictate your self-worth. In a world obsessed with perfection, choose realistic vulnerability.

What does the 'perfect profile' really mean to you?
#perfectprofile

Deloitte

Responsible for reviewing and filing of International tax returns. Also provide tax advice to clients and help them minimize their tax liability. With a deep understanding of tax laws and regulations.

Tax Senior

Deloitte USI

Tax senior

Tax Consultant II

Tax Consultant 

Working with Deloitte USI as a tax consultant having demonstrated knowledge of Microsoft Excel, accounting, finance, and international tax.

taplio

The Battle

Shivani Gera

Chhavi Kaushal

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taplio

The Battle

Shivani Gera

Chhavi Kaushal

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Shivani Gera's LinkedIn Performance

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Performance ScoreShivani Gera's LinkedIn Performance