AMFI Registered Mutual Fund 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 live up to their fullest potential — financially independent, free to follow their passion. Sahayak Associates is our 'Ikigai.'

Start Your Journey ↗ Our Story
₹400 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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Happy Clients
₹0Cr+
Assets Under Management
0+
Years of Experience
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Global Advisees
Sahayak Associates team
Modern office architecture
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 wealth creation and take advantage of the "Chronological Lottery” this opportunity offers.

WHAT DRIVES US

Vision & Mission Statement

Vision — wealth growth
Vision Statement

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.

"Empowering smart financial decisions."
01

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 solutions and seamless execution.

02

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.

03

We are committed to enriching society by delivering superior 3i services by continually challenging conventional wisdom and actively encouraging change in order to pursue growth.

04

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.

05

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

Our Offerings

Holistic Sahayak 3i Solutions

A comprehensive, integrated approach to your financial life — protection, growth and legacy in one.

Insurance — protection

Insurance

Protection

Comprehensive coverage solutions to protect you, your family and your business against life's uncertainties — because security is the foundation of wealth.

Investment — growth

Investment

Growth

Goal-based, disciplined investment strategies powered by the compounding effect — because real wealth is built patiently, not speculated upon.

Inheritance — legacy

Inheritance

Distribution

Estate planning and wealth distribution — ensuring your legacy is passed on smoothly, efficiently, and in line with your wishes for generations ahead.

✦ Goal Based Investment OnlyAsset Allocation is Paramount✦ Zero Speculation · Zero DebtLong-Term Wealth Creation✦ Don't Try to Time the MarketReview & Rebalance Regularly✦ Protection of Capital FirstBelieve in the Power of Compounding✦ Promise Less, Deliver MoreLong-Term Relationships Only✦ Follow the RISK-PCR StrategyClient First Always ✦ Goal Based Investment OnlyAsset Allocation is Paramount✦ Zero Speculation · Zero DebtLong-Term Wealth Creation✦ Don't Try to Time the MarketReview & Rebalance Regularly✦ Protection of Capital FirstBelieve in the Power of Compounding✦ Promise Less, Deliver MoreLong-Term Relationships Only✦ Follow the RISK-PCR StrategyClient First Always
Our Philosophy

Investment Mantras

The principles that guide every recommendation we make — unwavering, non-negotiable, always in your interest.

01

Goal Based Investment only. No Piecemeal Investing. Believe in the power of compounding.

02

Asset Allocation is paramount with the help of delayed gratification.

03

Zero Speculation, Zero Debt and long-term orientation.

04

Long-Term Wealth Creation. No short-term solutions.

05

Don't try to time the market. Time in the market always wins.

06

Follow the RISK-PCR strategy. Understand RISK and Client reaction to risk and plan accordingly.

07

RRR — Review and Rebalance Regularly. A plan that isn't reviewed is a plan that fails.

08

Protection of capital first, then growth and final creation of wealth.

09

Long-term relationships only. Regular engagement to develop trust and deliver value.

10

Promise less, deliver more. We shall always honor all commitments, come what may.

Team culture
Planning session
Client consultation
Our Principles

Our Core Values

At Sahayak, values aren't just words — they define how we think, work, and serve.
Client First Fiduciary Responsibility
Every decision starts and ends with the client's best interest.
Holistic Stewardship — A 360 Degree Approach
Comprehensive protection, growth and distribution for your total financial life.
Generational Continuity & Long-Term Relationships
We build trusted, long-term relationships focused on your goals across generations.
Personalised Collaboration
We are investment partners, not service providers. We work closely with you.
Lead with Innovation
Embrace forward-thinking strategies, digital tools, and financial wisdom.
Serve & Give Back
Committed to enriching society and empowering client communities.
Provide More in Value Than Receive
Exceeding expectations in every conversation, advice, and service.
Accessibility & Responsiveness
Relationship-focused communication, prompt response, and complete transparency.
Financial Empowerment
Giving clients freedom to follow their passion with guaranteed financial resources.
Continuous Learning & Upskilling
Investing in knowledge to deliver top-tier, compliant, expert solutions.
Capital Protection First
Our primary objective is to protect your capital — then focus on growth and wealth creation.
Confidentiality, Fairness & Integrity
We maintain complete confidentiality and operate with zero tolerance for compromised standards.
Code of Ethics

Sahayak Ethics

"As Personal Finance Professional, We at Sahayak abide by the following Code of Ethics and Professional Conduct to live up to the trust endowed in us by our clients and to uphold the dignity of our profession."

E
Expertise — Constant Upskilling & Learning
My clients trust me for being an expert in the field of personal finance. I shall keep myself updated with the required knowledge and skills to provide expert recommendations to my clients.
T
Transparency — & Complete Confidentiality
My clients trust me for being transparent in all my dealings with them. I shall voluntarily disclose all material facts & conflicts of interest in a fair and transparent manner to my clients. Trust is paramount and cannot be broken at any cost.
H
Holistic Solution — Sahayak 3i
My clients trust me for empathizing with their dreams, goals, aspirations & anxieties. I shall be mindful, compassionate, and respectful of all their feelings around both money & life.
I
Integrity — Zero Tolerance
My clients trust me for being honest in our relationship. I shall always maintain the integrity of our professional relationship and never do anything which is a let-down to my clients.
C
Client First Always — Unbiased Advice
My clients trust me for providing truly unbiased and independent advice. I shall ensure that my client's interest always comes before my personal gains and advice is void of any biases.
S
Solutions Oriented — Goal-Based Focus
My clients trust me for providing solutions to their problems, needs and requirements and not merely execute their transactions. I shall be diligent in offering the best possible solutions.
The People

Leadership Team

Decades of experience, multiple certifications, and a singular focus — your financial well-being.

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

IIM Lucknow alumnus (MBA '88) and SRCC graduate with 30+ years of capital markets and investing experience, advising 500+ clients across the globe on Financial Planning and Wealth Management.

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

Graduate from Bombay University with over 25 years of experience in the Finance and Insurance Industry, serving more than 4,000 insurance clients across the globe.

Vaibhav Sahni
Vaibhav Sahni
Business Development Manager
CFA Charterholder CFP Certified NMIMS B.Com (Hons)
CFA
Charter
CFP
Certified
St.Johns
'18 Alum

St. John's Chandigarh alumnus (Class of 2018), NMIMS Mumbai graduate, CFA charterholder and CFP. Enhancing client relationships and expanding financial planning services.

Team Sahayak Associates
OUR SAHAYAK TEAM

Team Sahayak Associates

Where purpose meets people. Every member of Team Sahayak carries the torch of financial empowerment with pride — bringing together a unique blend of wisdom, empathy, and innovation.

Team Photo
Featured Stories

Stories of Impact & Purpose

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

Puneet Kohli
The Insurance Guardian

With over 25 years of experience, Puneet has served 4000+ insurance clients globally. His calm presence and deep expertise in risk management ensure our clients sleep peacefully, knowing their families are protected.

“Protection first. Ensuring families sleep peacefully.”
Sandeep Sahni
The Architect of Wealth

An IIM Lucknow alumnus and veteran investor with 30+ years in capital markets, Sandeep doesn’t just advise—he mentors. His commitment has built trust across generations of clients.

“Protect the capital first, then build the future.”
Vaibhav Sahni
The New-Age Visionary

A CFA Charterholder and Certified Financial Planner (CFP), Vaibhav blends traditional values with global insights. His youth and financial acumen allow us to connect with millennial investors and tech-savvy entrepreneurs looking for next-gen solutions.

“Traditional values blended with global, next-gen insights.”
Support Teams
The Invisible Enablers

Our client service, operations, research, and digital support teams are the backbone of every successful client relationship. Their speed, precision, and commitment ensure that every client touchpoint is smooth and meaningful.

“Every member carries the torch of financial empowerment.”
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.
Your goals, dreams, and peace of mind guide every decision we make.
Integrity over incentives.
We will never compromise our ethics for commercial gain.
Empathy before execution.
We understand your feelings around money and life before we advise.
Simplicity in communication.
No jargon. Just clear, honest, human conversations about your wealth.
Discipline in investment.
Process over impulse. Asset allocation and long-term focus always.
What Working at Sahayak Feels Like

Where Purpose
Meets People

At Sahayak Associates, culture isn’t a policy — it’s our way of life. We create an environment where our team thrives, grows, and feels at home.

Purposeful Work
Every conversation, plan, and strategy is tied to someone's future — education, retirement, or a dream home.
Collaborative Teams
We believe in shared knowledge, open discussions, and mutual respect across all levels.
Learning Culture
Weekly knowledge sessions, guest webinars, exam prep guidance (CFP, NISM, AMFI), and case study reviews.
Digital-First Thinking
We’ve embraced modern tools and platforms, ensuring efficiency, transparency, and a paperless experience.
Goal-Oriented Mindset
Just like we help clients reach their goals, we enable our team to define and pursue theirs — personal or professional.
Work-Life Integration
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 advisors to learn real-world client interaction, planning ethics, 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.

01
Client First, Always
Your goals, dreams, and peace of mind are our top priority — everything else follows.
02
Goal-Based Investing
We don’t chase trends. We align every investment to your unique life goals.
03
Long-Term Orientation
We believe that wealth is built with patience, consistency, and the power of time.
04
Acceptance of Uncertainty
We acknowledge that markets are unpredictable. Our focus is on what’s in your control — your plan, your discipline, your behavior.
05
Power of Compounding
Time and consistency create miracles. We help you stay the course to let compounding work its magic.
06
Review and Rebalance
Your life changes — and so does your plan. We review and fine-tune it regularly to stay aligned.
07
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.
08
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.

Since 2017

Our Journey

Financial journey
Team milestone
Growing together
17
2017
Founded with a Vision
Our journey began in 2017 with a simple yet powerful vision to help people achieve financial freedom with confidence, clarity, and peace of mind. What started as a mission to provide honest and dependable financial guidance has today grown into a trusted name for comprehensive financial solutions.
20
2020
Crossing ₹100 Crore AUM
A landmark milestone as trust in Sahayak's disciplined approach attracted a growing community of clients across Chandigarh, Punjab and beyond.
22
2022
1,000 Clients & Growing
With an expanded team and comprehensive service offerings across Insurance, Investment and Estate Planning — Sahayak became a complete wealth partner for individuals, families and businesses.
★
Today · 2025
₹400 Crore+ AUM · 1,500+ Clients
Over the years, we have had the privilege of building lasting relationships with more than 1,500+ happy clients, guiding individuals, families and businesses through every stage of their financial journey. Our commitment remains unchanged: empowering people with the right financial knowledge so they can live with confidence and financial independence.
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 advise.

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