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Anugrah Lal's work experience begins in 2003 as a Food and Beverage Assistant at Oberoi Hotels & Resorts. Anugrah then worked as a Senior Unit Manager at Aditya Birla Sun Life Insurance from 2006 to 2007. From 2007 to 2008, they served as a Relationship Manager at Optimix, ING. In 2008, they became a Sales Manager at Benchmark Asset Management Company Pvt. Ltd., where they worked until 2011. From 2011 to 2016, Anugrah worked as an Associate at Goldman Sachs, focusing on business operations and sales strategies. Anugrah then joined Nippon India Mutual Fund as a Senior Manager from 2016 to 2018. In 2019, they served as an Assistant Vice President at YES BANK. From 2020 to 2022, Anugrah worked as the Regional Head-North, Passive Funds at Motilal Oswal Asset Management Company Ltd., where they spearheaded business development activities and sales strategies. Anugrah is currently the Zonal Head at LenDenClub, starting from 2022.

Anugrah Lal began their education at St. Xavier School in Delhi, where they studied from 1994 to 2000. After completing their schooling, they pursued a Bachelor of Science degree in Hospitality Administration/Management from the Institute of Hotel Management (IHM) between 2000 and 2003. Anugrah then went on to attend SVKM's Narsee Monjee Institute of Management Studies (NMIMS) from 2004 to 2006, where they studied Finance, General.