AMFI Registered Mutual Fund Distributor & SIF Distributor · ARN 117295
| Chandigarh, India
+91 99141 46888 info@sahayakassociates.com |
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Sahayak — financial expertise
Est. 2017 · Chandigarh, India

Your Personal
Family CFO

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.

Start Your Journey ↗ Our Story
₹500 Cr+ AUM

The Sahayak 3i Framework

Insurance
Protection for what matters most
Investment
Goal-based, long-term wealth growth
Inheritance
Seamless wealth distribution & legacy
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1,500+
Happy Clients
₹500Cr+
Assets Under Management
30+
Years of Experience
500+
Global Clients
Sahayak Associates reception
Sahayak Associates library
Founded 2017
WELCOME TO SAHAYAK ASSOCIATES

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 $10.0 trillion economy and the per capita income moves from $3000 to $8000.

We want to position Sahayak Associates as your personal CFO and a vehicle for family, friends, and associates to benefit from this growth and take advantage of the "Chronological Lottery” this opportunity offers.

WHAT DRIVES US

Vision & Mission Statement

Vision — wealth growth
Vision Statement

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, innovative services and seamless 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 3i services by continually challenge conventional wisdom and actively encourage change in order to pursue growth.

We are committed to putting our clients at the heart of our business by developing and maintaining long-standing relationships based on trust. We are one firm, committed to delivering the full range of our capabilities, knowledge and resources to meet the requirements of our clients.

We shall make our clients feel confident about their financial future and shall become the Firm of Choice for employees, the service provider of Choice for clients, and the Investment of Choice for stakeholders.

Why choose us

How Does Sahayak Do Things Differently?

Client-Centric Philosophy

We put you first. Your dreams, goals, and peace of mind are at the heart of every financial decision we help you make.

The 3i Concept

We guide clients across all stages of financial life: Insurance for protection, Investment for growth, Inheritance for distribution.

Process-Driven & Personalized

Our unique 5-stage approach — from understanding your goals to consistent reviews — ensures your financial approach evolves with your life.

No Speculation. No Debt. Long-Term Focus.

We don’t chase trends or time the market. We believe in discipline, patience, and the power of compounding.

Digital-First Convenience

Access, track, and manage your portfolio anytime, anywhere through our 100% digital platform.

We Reduce Complexity

We cut through the financial noise and help you focus on what really matters.

Action-Oriented Guidance

We help you move from confusion to clarity — enabling informed decisions instead of procrastination.

Trust, Transparency & Empathy

We handle your wealth with integrity, offering the same care we would for our own families.

Education & Confidence Building

From seminars to webinars, we equip you with knowledge to feel secure and empowered on your wealth journey.

Experienced, Qualified, and Passionate Team

Led by professionals with 30+ years of experience and global credentials (including IIM, CFA, CFP), our team brings a rare blend of expertise and compassion.

Our Philosophy

Investment Mantra

At SAHAYAK, we strongly believe that a good investment process is not based on predictions or theories of where the markets and the economy are headed. Instead, we believe that investing must be based on what we do know, not on what we don't know. We call this fact-based investing and our process can be summed up in three steps:

Goals First Products Second

First Emergency Fund, then Insurance, followed by Investment for Goals.

Believe in the Power of Compounding-Rewards come from Patience not Prediction

Return OF Capital is more important than Return ON Capital.

Believe that Time in the Market is more important than Timing the Market.

Inflation is a Silent Risk

Asset Allocation is the Real Decision.

Review, don’t React

Diversification is the only Free Lunch

Your Plan should survive your mood.

Sahayak Associates leadership
Sahayak Associates boardroom
Sahayak Associates office entrance
Our Principles

At Sahayak, values aren't just words — they define how we think, work, and serve.

We go beyond transactions to build trusted, long-term relationships focused on your goals.

We maintain complete confidentiality of client information and uphold fairness in all our dealings.

We operate with zero tolerance for anything less than complete integrity and transparency.

We believe in regular, meaningful communication — because great relationships are built over time.

We take a thoughtful, well-informed approach to every financial recommendation.

Our primary objective is to protect your capital — then focus on growth, and ultimately long-term prosperity.

These are not just values on paper — they are principles we live by every single day.

The People

Leadership Role

Sandeep Sahni
Sandeep Sahni
Co-founder, Sahayak Associates
SRCC B.Com (Hons) '86 IIM Lucknow MBA '88 St. Johns '80 30+ Yrs Investing
30+
Yrs Investing
500+
Global Clients
IIM-L
Alumnus

Sandeep’s investing experience and study of the Financial Markets spans over 30 years, and he has been supporting more than 500 clients across the globe in their Wealth Services journey.

Puneet Kohli
Puneet Kohli
Co-founder, Sahayak Associates
Bombay Univ. Graduate 25+ Yrs Experience 4000+ Insurance Clients
25+
Yrs Experience
4000+
Insur. Clients
8×
MDRT

Puneet is a graduate from Bombay University and has over 25 years of experience in the Finance and Insurance Industry and serves more than 4000 Insurance Clients across the globe.

Vaibhav Sahni
Vaibhav Sahni
Business Development Manager
CFA – All 3 Levels Cleared CFP Certified NMIMS B.Com (Hons)
CFA
All 3 Levels
CFP
Certified
St.Johns
'18 Alum

He has successfully cleared all three levels of the CFA program and has a certification of Certified Financial Planner (CFP).

Team Sahayak Associates
OUR SAHAYAK TEAM

Team Sahayak Associates

At Sahayak Associates, every manager, and team member is driven by a shared mission — to make a real difference in the financial lives of our clients.

From seasoned finance professionals with decades of experience to dynamic young minds shaping modern wealth strategies, we bring together a unique blend of wisdom, empathy, and innovation.

Our Culture

Purpose-Driven,
Client-First, Always

At Sahayak, we don’t just work. We serve, educate, protect, and build — with integrity at the core and compassion in every interaction.

CORE VALUES WE LIVE BY

Client First — Always.
Integrity over incentives.
Empathy before execution.
Simplicity in communication.
Discipline in investment.
What Working at Sahayak Feels Like

Where Purpose
Meets People

Purposeful Work
Every conversation, plan, and strategy is tied to someone's future — their child’s education, a secure retirement, or a dream home. That’s the meaning we work for.
Collaborative Teams
We believe in shared knowledge, open discussions, and mutual respect—across all levels.
Learning Culture
Weekly knowledge sessions, guest speaker webinars, exam prep guidance (CFP, NISM, AMFI), and client case study reviews keep us sharp and evolving.
Digital-First Thinking
We’ve embraced modern tools and platforms, ensuring efficiency, transparency, and a paperless experience for both team and clients.
Goal-Oriented Mindset
Just like we help clients reach their goals, we enable our team to define and pursue theirs — personal or professional.
Our Culture

Our Culture at Sahayak Associates

At Sahayak, culture isn’t a policy — it’s our way of life. We are a purpose-driven, people-focused firm that thrives on trust, transparency, and transformation.

Empathy & Integrity First

We treat clients and team members like family — with honesty, compassion, and unwavering ethical standards.

Client-Centric Excellence

Every action we take is rooted in one belief: the client’s best interest comes first. We don’t measure success in numbers alone, but in lives positively impacted.

Growth Mindset

We invest in continuous learning — encouraging team members to pursue certifications, improve skills, and evolve into better professionals and people.

Collaboration Over Competition

We win as a team. Our open-door culture promotes knowledge sharing, mentorship, and mutual respect across roles and experience levels.

Innovation with Purpose

We embrace new ideas, technologies, and thinking — not for the sake of trend, but to deliver real value to our clients and stay ahead of the curve.

Accountability & Ownership

Every team member is empowered to lead, take initiative, and be accountable. We celebrate responsibility and reward results.

Work-Life Integration

We understand life is not just about work. Our flexible, hybrid-friendly approach ensures you can give your best — at work and at home.

Organizational Culture

Sahayak
Organizational Culture

We take complete ownership of our work from start to finish.
We are lifelong learners who continuously challenge the status quo.
We are self-driven individuals, inspired and guided by our mission.
We always strive to go the extra mile for every stakeholder.
Our ultimate measure of success is CHI.
We don't compete with one another; we collaborate to achieve shared success.
We dream big and empower our clients and team members to realize their true potential.
We don't dwell on problems; we focus on finding effective solutions.
We are not product sellers; we are solution providers.
We believe in under promising and over delivering.
We embrace Kaizen — the philosophy of continuous improvement.
Our business is our Ikigai.
We actively embrace and adopt technology to drive growth and excellence.
Every Team Member has an ownership mindset.
We believe in mentorship and knowledge transfer to our clients and our team.

The Sahayak Way

We laugh together. We brainstorm big ideas. We challenge market noise with timeless principles.

We stand by our clients — in market highs and crashes. We believe in the power of compounding, not just in wealth — but in trust, talent, and togetherness.

“What do we make?”
“We make a difference.”

Our culture is built on trust. Fueled by passion. Driven by purpose.
Empowering Our Team

How We Invest in Our People

Continuous Learning Culture: Weekly internal sessions on market updates, new regulations, product innovations, and case studies.
Professional Certifications Support: We encourage and sponsor certifications like CFP, NISM, AMFI, and more — keeping our team current and compliant.
On-the-Job Mentoring: Junior team members shadow senior professionals to learn real-world client interaction, industry practices, and soft skills.
Guest Speaker Webinars & Industry Workshops: Insights from thought leaders, fund managers, and economic experts to broaden perspectives.
Personal Growth Focus: We conduct internal reviews not just on performance but also on personal development — confidence, communication, leadership, and decision-making.
Our Guiding Principles:
Client First. Always. • Integrity Over Incentives. • Excellence Through Process. • Growth Through Learning. • Together, We Make a Difference.

“At Sahayak Associates, we don’t just grow wealth. We grow people, perspectives, and potential.”

Our Philosophy

Our Core Beliefs

At Sahayak Associates, our philosophy is rooted in Clarity, Discipline and Empathy. These values guide every conversation, recommendation, and decision we make.

Client First, Always
Your goals, dreams, and peace of mind are our top priority — everything else follows.
Goal-Based Investing
We don’t chase trends. We align every investment to your unique life goals.
Long-Term Orientation
We believe that wealth is built with patience, consistency, and the power of time.
Acceptance of Uncertainty
We acknowledge that markets are unpredictable. Our focus is on what’s in your control — your plan, your discipline, your behavior.
Power of Compounding
Time and consistency create miracles. We help you stay the course to let compounding work its magic.
Review and Rebalance
Your life changes — and so does your plan. We review and fine-tune it regularly to stay aligned.
Asset Allocation is Paramount
The right asset mix is the foundation of your portfolio. We get it right from the start and adjust with care.
Human Behavior Matters
We deeply understand how emotions impact investing. We help you stay calm, rational, and goal-focused — even in turbulent times.

These beliefs aren’t just strategies — they’re the principles that protect and grow your wealth, for life.

OUR 8-STEP PROCESS

Sahayak Investment Journey

Step 1

Free consultation regarding existing investment & insurance

Step 2

E-Wealth Demat account opening

Step 3

Finalisation of financial goals

Step 4

Finalisation of need assessment

Step 5

Sharing of investment plan

Step 6

Approval of investment plan

Step 7

Start of investment journey

Step 8

Review calendar

Take the First Step

Let's secure your financial future — together.

A complimentary financial health check-up, no obligations. We'll listen, understand, and only then guide.

+91 99141 46888 WhatsApp Us 0172-4662688
Chandigarh, India  ·  Serving clients globally