"Failure is not the opposite of success—it is a part of success.”
At S.MONK, every success story is not just about results—it’s about the journey, the struggles, and the mindset. Krish Nagaria represents the true spirit of perseverance.
Krish started his actuarial journey after completing his graduation (BAF) from K J Somaiya College of Arts and Commerce. Like many students, he discovered actuarial science a little later—but what followed was a journey full of determination and courage.
The Beginning of His Journey
After graduation, Krish initially started working. However, once he learned about actuarial science, he made a bold decision to shift his focus toward building a long-term career in this field.
He began preparing seriously while managing his job and attending weekend lectures, traveling all the way from Bhiwandi to Andheri—a true sign of commitment.
Achievements So Far
Despite starting later than many peers, Krish has already made strong progress:
👉 Cleared CM1 & CB1 (IAI)
These achievements reflect his capability and dedication toward actuarial science.
A Defining Moment
Krish appeared for CS1 (IAI November attempt) but missed clearing it by a few marks.
For many, this could have been a stopping point—but not for Krish.
Instead of giving up, he chose to move forward with even more determination.
👉 Because he understands one powerful truth:
Failure is not the opposite of success—it is part of the process.
The Comeback Mindset
Krish made a bold and courageous decision:
✔️ Quit his job to fully focus on actuarial preparation
✔️ Dedicated himself to regular self-study
✔️ Continued attending weekend lectures for guidance
He believes:
👉 Setbacks are temporary, but your potential is permanent.
This mindset is what truly defines a future actuary.
What’s Next?
Krish is now focused on his next milestone:
👉 CM2 – IAI May 2026 Attempt
With his resilience and disciplined approach, he is on the path to a strong comeback.
Message for Aspiring Actuaries
Krish’s journey teaches us something powerful:
👉 It’s not about how you start—it’s about how you continue.
If you face setbacks:
✔️ Don’t stop
✔️ Learn from your mistakes
✔️ Stay consistent
✔️ Keep believing in yourself
At S.MONK, we are proud to support students like Krish Nagaria.
His journey is not just about clearing papers—it’s about building resilience, courage, and a mindset for long-term success.
👉 Your comeback story can be even stronger than your setback.