About Mrs. Swati Dhawan Bhargava

Most people know her as the Co-Founder of CashKaro and EarnKaro, India’s largest Cashback and Coupons app and the country’s first Social Cashback App. But to her friends and family, she is recognized as a pioneering girl from the small town of Ambala, India.

She was fortunate to receive a scholarship from the Government of Singapore for high school, followed by another scholarship to study at the London School of Economics (LSE). After graduating from LSE, she worked at Goldman Sachs London for five years before co-founding the UK-based Cashback business, Pouring Pounds, with her husband, Rohan Bhargava.

In 2013, the concept was brought to India, leading to the launch of CashKaro. Today, CashKaro has over 18 million downloads, stands as the only VC-backed Cashback site in India, and has raised approximately $15 million in funding from Kalaari Capital and Korea Investment Partners. Additionally, investment was received from Ratan Tata, former Chairman of Tata Sons. CashKaro drives more than $500 million in sales annually.

Her passion for inspiring others has led to her being a keynote speaker at various prestigious forums, including IIT, ISB, ET Women Empowerment Summit, TiECon, TEDx, AdTech, IAMAI Forums, Economic Times Conferences, Niti Aayog, and Delhi Government initiatives, as well as media panels and the launch of Satya Nadella’s book “Hit Refresh” hosted by Microsoft.

Achievements of Mrs. Swati Dhawan Bhargava till date

• Being listed in Fortune’s 40 Under 40 in June 2019
• CashKaro being certified as a Great Place to Work
• Winning the ‘Best Affiliate Award’ at the India Affiliate Summit
• Being among the few women entrepreneurs to meet Prime Minister Narendra Modi to discuss India’s startup ecosystem
• Receiving the Best Service Offering Company in the E-commerce Industry at India’s first Digital Women Award
• Serving as Co-Chair of H2 India, a global leadership network for the digital industry
• Being nominated among the Top Young Business Women by CNBC-TV 18
• Being recognized as one of the top 10 women entrepreneurs by Iamwire.com
• Being honored as one of four women trailblazers in the Indian e-commerce industry by Economic Times
• Being shortlisted for the Asian Women of Achievement Awards in the UK in 2011
• Being nominated as a Young Global Leader by the World Economic Forum

Entrepreneurs led Curriculum

1. Visualization should be an integral part of education starting from school onwards.
2. While the focus is often on academics and achievements, it is essential to also teach mental health and spiritual growth.
3. Feeling good has helped me attract better opportunities from the universe.
4. If I had known about writing affirmations and visualization during my school years, it would have positively impacted my life and possibly made me more successful.
5. Exams are often associated with negativity; we frequently hear comments like, “This person has exams, it’s such a difficult time, they struggle with math, how will they manage?”
6. We need to teach students how to handle exam stress and educate parents to avoid spreading negativity.
7. If a student writes affirmations like “I will do very well in exams” before their exams, they harness the power of affirmation, visualization, and manifestation—concepts that are beneficial for both students and parents.
8. These practices foster an entrepreneurial mindset.
9. A startup is a natural byproduct of an entrepreneurial mindset.
10. Entrepreneurs operate with accountability because they own their outcomes.
11. Employees can behave like entrepreneurs by leading without a title.
12. An employee might find excuses for expenses, thinking it’s not their money, whereas an entrepreneur treats company money as their own, such as remembering to turn off a Google Ads campaign at night.
13. Excel should be learned as a hard skill from an early age; it enhances efficiency in HR, branding, marketing, and UX. Our organization is committed to teaching Excel.
14. Research is a crucial skill; it is the first step in performing any task effectively.
15. To progress further, learning Excel alongside financial modeling is vital—for instance, a child contemplating starting a business needs to model its potential growth to turn it into reality.
16. Unlike gambling, where outcomes can’t be influenced, taking risks involves informed decisions based on thorough research and understanding opportunity costs.
17. There should be a 50:50 ratio of academics to co-curricular activities. Academics provide a strong foundation, teach the process, and help students develop concentration skills.
18. However, academics alone are not enough; other skills such as communication, interpersonal relationships, debate, and sports are also essential.
19. The balance between academics and co-curricular activities during my school years enabled me to earn scholarships to Singapore for my 11th and 12th grades and then to the London School of Economics.
20. Few people want to focus solely on academics or co-curricular activities unless they are national or international players, which most people are not.
21. I transformed from a manager to a leader during my entrepreneurial journey. We all start off managing tasks, telling others what to do.
22. I learned the difference between being a manager and a leader.
23. Transitioning from manager to leader involves inspiring others to do their best without constantly overseeing them.
24. Besides working hard, I learned how to pitch effectively—we raised 250 crores in funding, and I led all those funding rounds.
25. As a woman, I was confident in pitching to male investors. This exposure taught me multitasking, organization, and motivation.
26. Coming back to soft skills, it is crucial for a leader to know how to recharge their own energy.
27. At work, everyone looks to you for guidance; if you are depleted, you have nothing to offer.
28. Find ways to recharge—emotionally through a morning routine, spiritually through meditation, or intellectually by reading to stay knowledgeable and respected.
29. Maintaining positive energy requires constant effort.
30. Learnings from Mr. Ratan Tata include never stopping, never giving up, and continuously striving to make an impact, even at his age.
31. Girls should be ambitious, and parents should encourage them to pursue their aspirations.
32. Don’t be shy about expressing your dreams and ambitions.
33. We are not studying to get a good husband; we pursue higher education for our personal and professional growth.
34. A good husband should not be the ultimate goal in life.
35. I have a great husband, and the right person will come at the right time.
36. Girls should speak up, chart their own paths, and focus on their self-development.

Hear Directly from Mrs. Swati for ELC

Last Words

She mentioned – Visualization is one of the important thing in child’s early age. Keep on hustling, never stop like Mr. Ratan Tata. Girls should speak up and must have some ambition in their life.