To know Dr. Bijul Balan Ayinipully is to witness the quiet strength of resilience forged in adversity. Born in Kerala and raised in Abu Dhabi, his journey began not in boardrooms but in his father’s grocery shop, where he absorbed the fundamentals of business—trust, negotiation, and discipline—while other children played. These early lessons shaped a sharp financial mind and a strong work ethic.

Excelling in accounting, he entered the corporate world with a bold challenge: “Give me three months. If I fail, let me go.” He didn’t fail—he soared, gaining recognition for his precision and leadership. But success didn’t come easy. Professional setbacks and overlooked promotions tested his resolve, while a collapsed business venture left him in crushing debt—14 credit cards maxed out, loans unpaid, a marriage ended, and no certainty of the next meal.

What followed was a rare comeback. With unwavering faith, martial arts discipline, and the transformative power of Kriya Yoga, Dr. Bijul cleared his debts and rebuilt from nothing. He calls it grace. Miracles appeared—timely loans, support from strangers, and a renewed sense of direction.

Today, he is a senior finance leader managing billions, a PhD candidate exploring blockchain in trade finance, and above all, a devoted husband and father. His story is not just about rising high—it’s about rising again. It is a living guide to perseverance, faith, and the courage to dream beyond failure.