The Financial Expert is a novel by R. K. Narayan that was published in the year 1952. It is set in the fictional town of Malgudi and tells the story of British-ruled India in the 1930s. It is a tale of ambitions, desires, greed, corruption, and karma.

Characters of The Financial Expert:

Margayya is the protagonist of the novel. He is an ordinary middle-class man struggling to make a significant life. He is the younger brother of the family and his elder brother is an established money lender with better financial status. Margayya is very keenly interested in finance and he has a niche in investment and banking. He works independently as a financial advisor helping customers with loan applications and other financial procedures; he charges a small fee for this assistance. In his town, Malgudi, he has a stand under a tree outside the main bank, Central Co-operative Land Mortgage Bank. Margayya is married and the father of a son named Balu who is a spoilt child. Being the only child, his parents try to fulfill all his wishes while he gets trapped in bad habits and bad company. Arul Dass is the peon of Central Co-operative Land Mortgage Bank. Dr. Pal is a conman who pretends to be a sociologist and psychologist. Madan Lal is a printer and publisher who came from North India and settled in Malgudi. Brinda is the daughter of a rich tea plantation owner. Margayya manages to arrange the marriage of Brinda with Balu to ensure his better future.
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Narayan ends the novel after this whole circle that began from the banyan tree and ended in its shed.

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