Every rupee, a clear purpose.
Insurance, investment, and inheritance — held to one fiduciary standard, so no part of your financial life is ever planned in isolation. This is the Sahayak 3i framework.
Insurance Planning
Cover sized to your real exposure — never oversold, never a product push. Before we recommend a single policy, we map what you already hold, where the gaps actually are, and what your family would need to maintain its life without you.
Term & life cover
Pure protection, sized to income replacement and outstanding liabilities — not commission.
Health & critical illness
Family floaters and standalone critical illness cover, reviewed as medical costs rise.
Business & key-person
Cover that protects a business from the financial shock of losing a founder or key employee.
Claims assistance
We sit with the family through the claims process — paperwork, follow-up, and settlement.
Investment Advisory
Every portfolio starts with a goal — a child's education, a retirement date, a business expansion — never with a product. Allocation comes first, instruments second, and the plan is reviewed on a fixed schedule, not when markets force the conversation.
Mutual funds & PMS
Curated fund and portfolio-management strategies matched to your goal horizon.
Equity & fixed income
A blend built for your risk profile, not a market call we're trying to time.
Goal mapping & risk profiling
Every rupee tagged to a goal and a horizon before it's tagged to an instrument.
Portfolio review (RRR)
Review and rebalance on a set calendar — a plan that isn't reviewed is a plan that fails.
"Asset allocation is paramount. Zero speculation, zero debt — wealth is built over time, not timed."
The Sahayak investment mantra
Inheritance Planning
Wealth that isn't structured to pass on cleanly creates disputes, delays, and tax leakage at the worst possible time for a family. We put the structure in place while it's a planning exercise, not an emergency.
Will & succession
A clear, legally sound will — drafted once, revisited as your family and assets change.
Estate structuring
Trusts, nominations, and titling cleaned up so assets transfer without friction.
Family office support
Coordinated record-keeping across accounts, policies, and assets for the next generation.
Cross-border coordination
Support for NRI families with assets and heirs spread across more than one country.
A measured path, from first
call to lasting partnership.
Discovery
We listen first. Your goals, your risk appetite, your full financial picture — no assumptions.
Strategy
A bespoke plan, tax-aware and risk-aware, built on the 3i framework.
Execution
Specialists put the plan to work — investments, policies, and filings, done precisely.
Partnership
Regular reviews and proactive advice keep the plan aligned as your life changes.
Where we draw the line.
- Recommend products only after mapping your goal and risk profile
- Review every plan on a fixed schedule, not only when you call
- Disclose how we're compensated on every product, every time
- Tell you when "do nothing" is the right advice
- Sell a policy or fund because it pays a higher commission
- Encourage speculation, leverage, or market timing
- Plan insurance, investments, and estate in isolation
- Disappear between annual statements
Common questions.
If your question isn't here, it's faster to ask directly than to keep searching.
Ask us directlyBoth, depending on the product — and we disclose exactly how on every recommendation before you decide. Our incentive is structured around long-term retention, not one-time sales, which is why our advice stays goal-based rather than product-led.
No fixed minimum. We've built plans for first-time earners just starting their SIPs and for families managing multi-crore estates — the framework scales to where you are today.
At least once a year as a formal review, with proactive check-ins whenever a life event, tax-law change, or market shift is relevant to your specific plan — not a generic newsletter.
Yes. Many relationships start with a single need — often insurance or a will — and grow into the full 3i framework once trust is established. There's no obligation to bundle from day one.
Yes — a meaningful share of the families we advise are based outside India. We coordinate across time zones and, where needed, with local advisors on the ground.
Let's build a plan
that outlasts you.
Sit down with a senior advisor for a complimentary, no-obligation consultation. We'll map where you are — and where you want to be.