VINOD AGARWAL Ji was inclined toward spiritual singing since childhood and when he turned 12, he became a proficient player of the harmonium. And he started doing kirtans since these childhood days.

He has been a mixed bag of singer, writer, a businessman and an entrepreneur who died at the age of 63. During his singing journey, he has spread Hari Naam across the world. More than 760 programs performed by him have been recorded on CDs and VCD's.

He states that there are structural problems in India where the housing finance business has inherent ALM (asset-liability management) mismatch. Too much lending to the builders who are having large inventory has given rise to bigger issues.