Your Personal
Family CFO
Sahayak Associates helps people live up to their fullest potential — financially independent, free to follow their passion. Sahayak Associates is our 'Ikigai.'
The Sahayak 3i Framework
Company Profile
Sahayak Associates helps people to live up to their fullest potential and become financially independent, giving them the choice to follow their passion by ensuring they have enough financial resources.
Our Financial Distribution is simply the vehicle through which we can take these passions, apply them to the things that people need, and make a profit in the process. In other words, Sahayak Associates, our business firm, is our 'Ikigai'.
We have a strong belief that tremendous wealth is going to be created in the next 10 years in India when the economy moves from a $4.0 Trillion GDP to a $10 Trillion economy and the per capita income moves from $3,000 to $8,000.
We want to position Sahayak Associates as your personal family CFO and a vehicle for family, friends and associates to benefit from this wealth creation and take advantage of the "Chronological Lottery" this opportunity offers.
Founded in 2017
Honest, dependable financial guidance for everyone
"We want to position Sahayak as your personal family CFO and a vehicle for wealth creation during India's journey to a $10 Trillion economy."
Vision & Mission
Building, nurturing & sustaining client wealth
At SAHAYAK, our goal is to build, nurture, and sustain client wealth by empowering our customers to make smart decisions about their finances and achieve their goals.
We shall help our clients work towards and maintain financial prosperity by implementing strategies that seek to maximize the growth, preservation & tax-efficient management of corporate and personal wealth with the finest financial thinking, products and execution.
We are committed to maintaining the highest standards of integrity & professionalism and seek to provide our clients with excellent service and results in consonance with their financial goals. We are committed to enriching society by delivering superior investment services and continually challenge conventional wisdom.
We are committed to putting our clients at the heart of our business. We shall become the Firm of Choice for employees, the Advisor of Choice for clients, and the Investment of Choice for stakeholders.
We shall make our clients feel confident about their financial future by developing and maintaining long-standing relationships built on trust.
Holistic Sahayak 3i Solutions
A comprehensive, integrated approach to your financial life — protection, growth and legacy in one.
Insurance
Comprehensive coverage solutions to protect you, your family and your business against life's uncertainties — because security is the foundation of wealth.
Investment
Goal-based, disciplined investment strategies powered by the compounding effect — because real wealth is built patiently, not speculated upon.
Inheritance
Estate planning and wealth distribution — ensuring your legacy is passed on smoothly, efficiently, and in line with your wishes for generations ahead.
Investment Mantras
The principles that guide every recommendation we make — unwavering, non-negotiable, always in your interest.
Goal Based Investment only. No Piecemeal Investing. Believe in the power of compounding.
Asset Allocation is paramount with the help of delayed gratification.
Zero Speculation, Zero Debt and long-term orientation.
Long-Term Wealth Creation. No short-term solutions.
Don't try to time the market. Time in the market always wins.
Follow the RISK-PCR strategy. Understand RISK and Client reaction to risk and plan accordingly.
RRR — Review and Rebalance Regularly. A plan that isn't reviewed is a plan that fails.
Protection of capital first, then growth and final creation of wealth.
Long-term relationships only. Regular engagement to develop trust and deliver value.
Promise less, deliver more. We shall always honor all commitments, come what may.
Values & Beliefs
Ethics Oath
Leadership Team
Decades of experience, multiple certifications, and a singular focus — your financial well-being.
IIM Lucknow alumnus (MBA '88) with 30+ years of financial markets experience. TEDx speaker, author of three books, and President of Chandigarh Club Ltd (2012–2024).
University of Mumbai graduate with 22+ years in Finance & Insurance. MDRT qualifier for 8 consecutive years and member of LIC Chairman Club, honoured with Chairman's Gold Shield.
NMIMS Mumbai graduate, CFA charterholder and Certified Financial Planner with multiple certifications in investment advisory and portfolio management.
Our Journey
Let's secure your financial future — together.
A complimentary financial health check-up, no obligations. We'll listen, understand, and only then advise.
Academic Background
Sandeep completed his schooling at St. John's, Chandigarh (Class of 1980) and Modern School, New Delhi (Class of 1982). For his B.Com (Hons.), Sandeep attended SRCC, Delhi University (Class of 1985). In continuity with his academic journey, Sandeep is an alumnus of IIM Lucknow with a Post Graduate Degree in Business Administration (MBA class of 1988).
Professional Journey
Sandeep's investing experience and study of the Financial Market spans over 30 years. He is based in Chandigarh and has advised more than 500 clients across the globe on Financial Planning and Portfolio Management.
He has also conducted several presentations, workshops and guest lectures at Management Institutes for students on Financial Planning and Wealth Building.
Author & Speaker
He is an avid reader and an excellent orator who has presented on various platforms, including TEDx. He has authored three books:
📖 'Dear Son, Life Lessons from a Father' — on the teaching of life
📖 'What My MBA Didn't Teach Me About Money' (co-authored) — on the human and financial perspectives of money
📖 'The Sahayak Investment Dictionary' — on the essential terms used in finance and investments
He also writes a widely read daily motivational blog titled Stay Blessed Forever, where he shares daily insights, wisdom, and inspiring thoughts with readers.
Leadership Roles
Sandeep has handled many Leadership roles and is on the executive body of the Chandigarh Club Ltd since 1999, serving as President from 2012 to 2024. He has also been the President of the Chamber of Chandigarh Industries for two terms and continues to be on the Executive Body. He currently serves as the President of the Kashatriya Khukhrain Sabha, Chandigarh.
About Puneet
A University of Mumbai graduate, Puneet brings over 22 years of rich experience in the Finance and Insurance Industry, serving more than 4,000 insurance clients across the globe.
Awards & Recognition
Puneet has qualified for the prestigious Million Dollar Round Table (MDRT) for 8 consecutive years and is a distinguished member of the LIC Chairman Club, where he was also honoured with the Chairman's Gold Shield.
He is also a member of the Gold Club with ICICI Lombard General Insurance. He is also associated with reputed professional bodies such as the Institute of Excellence and the Financial Professionals Association.
Continuous Learning
A strong believer in continuous learning and self-development, Puneet consistently upgrades his expertise to stay aligned with evolving industry trends. In FY 2021–22, he successfully completed the Investment Management Summit certification organized by Network FP, gaining advanced insights into Investment Strategies, Market Outlook, Investor Behaviour, and Business Operations.
Education
After completing his schooling at St. John's Chandigarh (Class of 2018), Vaibhav pursued a Bachelor of Commerce (Hons.) from NMIMS, Mumbai.
Qualifications
He is a CFA charterholder and a Certified Financial Planner (CFP). In addition, he has earned multiple certifications in financial planning and investment advisory, further strengthening his expertise in finance and portfolio management.
Role at Sahayak
As Business Development Manager, Vaibhav brings a blend of rigorous financial analysis and client relationship skills that help Sahayak Associates grow while maintaining the highest standards of service and advice.