Wisdom rooted in
four decades of
market experience.
WealthSage Capital Services partners with individuals and families to build, protect, and grow wealth — with clarity, integrity, and a long-term perspective grounded in real market cycles.
Built on trust,
guided by experience.
Distributor-First, Client-Centric
As SEBI/AMFI registered distributors (ARN-1854), we guide you to the right products — our success is aligned with your long-term outcomes.
Market Cycles, Survived & Understood
Having navigated Harshad Mehta, the dot-com crash, 2008, and COVID — our guidance is grounded in real-world resilience.
Institutional Rigour, Personal Touch
We bring analytical depth from IIM Calcutta and Mastercard to your personal portfolio without losing the warmth of a trusted advisor.
Fully Registered & Compliant
SEBI and AMFI registered under ARN-1854. Regulated, transparent, accountable — you always know exactly what you own and why.
Our Core Services
Built for every stage
of your financial life.
From first salary to legacy planning — we've worked with clients across every life stage and profession.
Young Professionals
Start SIPs that stick, claim ELSS tax benefits, and build a foundation that compounds quietly while you focus on your career.
Women
A safe, empowering space to build wealth on your own terms — whether you're investing for the first time, managing family finances, or planning long-term security.
Families & Parents
Education fund, first home, long-term corpus — we map milestones and keep your portfolio aligned as life's priorities shift.
NRIs
NRE/NRO-compliant investing, GIFT City AIF structures, smooth repatriation and FEMA-compliant strategies — without the paperwork headache.
Pre-Retirees
Capital preservation, reliable income floor, sequence-of-returns risk management. We ensure your corpus outlasts you.
HNIs & Business Owners
Multi-asset strategies across equity, debt, REITs, SGBs, AIFs, PMS and SIFs — with institutional-grade oversight.
Doctors & Consultants
High income, irregular cash flows, zero time. We structure investments around lumpy receipts and maximise 80C/80D efficiency.
How we think about
your money.
Think in Decades, Not Days
Wealth is built by staying invested through full market cycles — not by timing entry and exit.
Stay Calm. Don't Panic.
We've guided clients through every major crash. The ones who stayed invested were always rewarded.
Compounding is the Only Magic
₹10,000/month at 25 can become ₹3.5 crore at retirement. Time and consistency are the only secrets.
What our clients say
Ajay ji has been managing my family's investments for over 15 years. His calm guidance during the 2020 crash — when we wanted to exit everything — saved us from a costly mistake. Our portfolio has since doubled.
I was completely new to investing when I approached WealthSage. Eepsa broke everything down so clearly — from SIPs to risk profiling — that I finally felt confident putting my savings to work.
I started my SIP journey with WealthSage 8 years ago with just ₹5,000 a month. Today my portfolio is something I'm genuinely proud of. Their long-term thinking really works.
Decades of expertise,
one shared purpose.
Ready to begin your
wealth journey?
A 30-minute conversation is all it takes to get started. No paperwork, no pressure — just clarity about your financial future.
Comprehensive Distribution
& Planning Services
From your first SIP to a diversified multi-asset portfolio, we guide you at every stage of your wealth journey.
Wealth Management
Personalised portfolio construction across mutual funds, equities, bonds and alternatives — built around your risk appetite, goals, and time horizon.
Enquire →Mutual Fund Distribution
Expert guidance on SIPs, lump-sum investments, ELSS tax-saving funds, and NFOs. As AMFI-registered distributors since 2002 under ARN-1854, we know every fund category inside out.
Enquire →Retirement Planning
Goal-based retirement corpus planning using NPS, EPF, PPF and systematic investment strategies — ensuring financial independence at every life stage.
Enquire →Goal-Based Financial Planning
Child's education, home purchase, or your own dream — we map out a structured investment plan with milestones and periodic reviews to keep you on track.
Enquire →NRI Investment Services
Dedicated support for NRIs investing in Indian markets — through NRE/NRO-compliant mutual funds, GIFT City structures, and FEMA-compliant alternatives including AIFs for offshore investors.
Enquire →FIRE Planning
Financial Independence, Retire Early planning with a clear FIRE number, savings rate, investment roadmap, liquidity buckets, and sustainable withdrawal strategy.
Enquire →Alternate Investments
For investors seeking returns beyond traditional mutual funds — we provide access to and guidance on Specialised Investment Funds (SIF), Alternative Investment Funds (AIF), and Portfolio Management Services (PMS), structured to match your risk appetite and wealth objectives.
Enquire →Built for every stage
of your financial life.
WealthSage has served clients across life stages and professions for over two decades. Whoever you are, we bring the same rigour, care, and long-term thinking to your wealth.
Young Professionals
You're earning, spending, and wondering where it all goes. We help you start SIPs that actually stick, claim every rupee of ELSS tax benefit, and build a foundation that compounds quietly while you focus on your career.
Women
Whether you're investing independently for the first time, managing family finances, navigating a career break, or planning for long-term financial security — we create a safe, empowering space to build wealth on your own terms. Eepsa personally champions financial independence for women.
Families & Parents
From your child's education fund to your first home down-payment and long-term family corpus — we map out milestones and keep your portfolio aligned as life's priorities shift.
NRIs
India is calling your capital home. We guide NRIs through NRE/NRO-compliant mutual fund investments, GIFT City AIF structures for offshore access, smooth repatriation, and FEMA-compliant investing — without the paperwork headache.
Pre-Retirees
The decade before retirement is the most consequential. We shift the conversation from accumulation to preservation — building a reliable income floor, managing sequence-of-returns risk, and ensuring your corpus outlasts you.
HNIs & Business Owners
Significant wealth demands more than a mutual fund portfolio. We construct multi-asset strategies across debt, equity, REITs, SGBs, AIFs, PMS, and SIFs — with tax-efficient structuring, estate planning considerations, and institutional-grade oversight.
Doctors & Consultants
High income, irregular cash flows, and zero time — a familiar combination. We handle the complexity: structuring investments around lumpy receipts, maximising Section 80C and 80D, and building a diversified portfolio beyond real estate.
Not sure which category fits you? That's perfectly fine. Most of our clients sit at the intersection of two or three. Book a free 30-minute conversation — no paperwork, no pressure.
Planning Tools
Get clarity before you invest. Know your risk profile, model your financial future, and see the power of compounding in action.
Risk Profiler
Discover your true risk appetite with our SEBI-compliant questionnaire. Essential first step before investing.
SIP Calculator
Estimate wealth created through monthly systematic investments over time.
Retirement Planner
Calculate the corpus you need and how to get there by your retirement age.
Goal Planner
Plan for a child's education, home purchase, or any major milestone.
Lumpsum Calculator
See how a one-time investment grows with compounding over the years.
Inflation-Adjusted Returns
Understand real returns after accounting for India's long-term inflation.
Tax Savings (80C)
Explore ELSS, PPF and NPS to maximise your Section 80C deductions.
Risk Profiler
Answer all 10 questions honestly. Your score will determine the investment profile that best suits your goals and temperament. Required under SEBI guidelines.
1. How old are you?
2. How many years away is your nearest goal?
3. If your investment outlook is long-term (more than 5 years), how long will you hold on to a poorly performing portfolio before cashing in?
4. My current and future sources of income are
5. Choose your investment preference / objective
6. If a few months after investing, your portfolio value drops 20% due to a market decline, what would you do?
7. Volatile investments usually provide higher returns and tax efficiency. What is your desired balance?
8. How familiar are you with financial markets?
9. Describe your risk range — what level of losses and gains would you be comfortable with?
10. What is the current market value of your net worth? (all assets minus all debts and liabilities)
Real Plans.
Real Outcomes.
Illustrative examples of how we approach different financial situations. Names are representative; actual results vary based on individual circumstances and market conditions.
Starting Early: 10-Year SIP Journey
A 28-year-old IT professional in Delhi wanted to begin investing with ₹10,000/month over 10 years. We structured a diversified SIP across large-cap, flexi-cap and multi asset funds — balancing growth with smoother risk management.
Shifting Gears at 55: Retirement Portfolio
A couple aged 55 with ₹40L in savings needed a 5-year plan to retirement. We rebalanced from high-risk equity to a hybrid strategy — ensuring steady income post-retirement while still outpacing inflation.
Education Corpus for a 3-Year-Old
Parents wanting ₹50L in 15 years for their child's higher education. We designed a phased SIP with aggressive equity allocation in early years shifting to debt closer to the goal — a proven glide-path strategy.
Beyond Traditional Portfolios
An HNI family wanted a more diversified strategy beyond domestic mutual funds. We created a framework combining SIF opportunities, global investments, core equity exposure, and disciplined liquidity buckets for near-term commitments.
India Allocation Through GIFT City AIF
An NRI client wanted exposure to India-focused alternatives with cleaner offshore access. We illustrated a GIFT City AIF route alongside mutual funds and global diversification, keeping repatriation, currency risk, and liquidity needs central.
Illustrative ₹2Cr Portfolio Allocation
Representative diversified allocation across hybrid, equity, global and alternate assets. For illustration only.
| Sub Asset | Allocation | Amount on ₹2Cr | Last 3 Year Return |
|---|---|---|---|
| Arbitrage | ₹14L | ↑ 6.89% | |
| Hybrid Aggressive | ₹30L | ↑ 15.27% | |
| Balanced Advantage | ₹60L | ↑ 10.79% | |
| Multi Asset | ₹14L | ↑ 20.16% | |
| Large Cap | ₹18L | ↑ 18.29% | |
| Mid Cap | ₹16L | ↑ 23.45% | |
| Small Cap | ₹14L | ↑ 22.85% | |
| Value | ₹10L | ↑ 19.24% | |
| Thematic | ₹10L | ↑ 23.94% | |
| Global | ₹10L | ↑ 17.93% | |
| Unlisted/Pre-IPO Stocks | ₹4L | ↑ 14.40% |
*Past performance not indicative of future returns. Mutual fund investments are subject to market risks. Read all scheme documents carefully.
What Our Clients Say
The trust of our clients is our greatest credential. Here are a few words from those who have walked the wealth journey with us.
Ajay ji has been managing my family's investments for over 15 years. His calm guidance during the 2020 crash — when we wanted to exit everything — saved us from a costly mistake. Our portfolio has since doubled.
I was completely new to investing when I approached WealthSage. Eepsa broke everything down so clearly — from SIPs to risk profiling — that I finally felt confident putting my savings to work.
As an NRI, I struggled to find a trustworthy advisor in India. WealthSage made the process seamless — from NRE account investments to portfolio reviews over video calls. Highly recommended.
As a doctor, my schedule leaves little time to track investments closely. WealthSage helped me organise my savings into a clear plan for my own long-term goals, with simple explanations and regular reviews that make investing feel manageable.
What sets WealthSage apart is their honesty. When I wanted to put everything into a high-risk sector fund, they showed me exactly why that was a bad idea for my goals — and offered a better alternative.
I started my SIP journey with WealthSage 8 years ago with just ₹5,000 a month. Today my portfolio is something I'm genuinely proud of. Their long-term thinking really works.
Meet the Partners
Decades of complementary expertise — market depth meets institutional rigour.
With over three and a half decades of experience in India's financial markets, Ajay brings the perspective that only time, discipline, and market cycles can teach.
Having witnessed and navigated multiple phases of the Indian economy — from the Harshad Mehta era and the dot-com boom to the 2008 financial crisis and the volatility of COVID — his approach to investing is grounded not in prediction, but in patience, discipline, and long-term thinking.
Ajay began his journey in the markets as a stock broker before transitioning into mutual fund distribution in 2002. Over the years, he has helped individuals and families stay invested through uncertainty, avoid emotional decision-making, and build wealth steadily over time.
Consistent investing, guided by discipline and clarity, creates lasting financial outcomes.
Clients value his calm perspective, honesty, and genuine commitment to helping them achieve their financial goals across different stages of life.
Eepsa combines institutional rigour with a deeply personal belief in the power of long-term investing.
An engineer from NSIT Delhi and an MBA from IIM Calcutta — where she secured a 99.9+ percentile in CAT — she has spent more than a decade working across consulting and financial services roles with leading global institutions, including Mastercard.
Her professional background in financial consulting and strategy has shaped her ability to understand complex financial situations, analyse them thoughtfully, and design structured, goal-oriented solutions for clients.
But beyond qualifications and consulting experience, her relationship with investing is deeply personal. Having started investing from her very first salary, Eepsa has experienced firsthand the long-term impact of disciplined investing and compounding. That lived experience shapes the way she works with clients today — combining analytical depth with practical, real-world understanding.
She is particularly passionate about helping individuals and families feel more confident, informed, and intentional about their financial decisions — turning investing from something intimidating into something meaningful and empowering.
Seven principles that
guide every decision.
We don't predict markets. We don't chase returns. We build portfolios anchored in timeless principles — and have the patience to let them work.
Think in Decades, Not Days
Wealth is built by staying invested through full market cycles — not by timing entry and exit. Every portfolio we build is designed to be held for the long term, with clear milestones to stay the course.
Asset Allocation is Everything
Research consistently shows that asset allocation — how you divide between equity, debt, and alternatives — drives the majority of long-term portfolio returns. We get this right first, then optimise within each bucket.
Risk is Not Volatility — It's Permanent Loss
Markets will fall. That is certain. What matters is whether you're positioned to recover. We size positions carefully, diversify across asset classes, and never take risks that can't be recovered from — no matter how compelling the opportunity looks.
Stay Calm. Don't Panic.
We have guided clients through Harshad Mehta, the dot-com crash, the 2008 financial crisis, and COVID-19. Every time, the investors who panicked and exited locked in losses. The ones who stayed — or invested more — were rewarded. Panic is the enemy of wealth.
Discipline Over Prediction
Nobody knows what the market will do next month. The best investors know that. Our edge isn't prediction — it's process. Disciplined rebalancing, consistent SIPs, and sticking to a plan through noise are what separate wealth builders from speculators.
Tax Efficiency is a Return
Every rupee saved in tax is a rupee that compounds for you. We structure investments with ELSS, indexation benefits, LTCG thresholds, and debt fund strategies to minimise tax drag — because post-tax returns are the only returns that matter.
Compounding is the Only Magic
Einstein reportedly called compounding the eighth wonder of the world. We believe it. A ₹10,000 monthly SIP started at 25 can grow to over ₹3.5 crore by retirement at 12% — not because of spectacular picks, but because of time and consistency. We help clients harness this, then get out of the way.
These principles aren't marketing copy — they are how we personally invest, and how we have advised clients for over two decades. If they resonate with you, we'd love to build your portfolio together.
Awards & Appreciation
Over three and a half decades, WealthSage has been recognised by some of India's leading fund houses for outstanding partnership, AUM growth, and consistent client service — a reflection of the trust our clients and partners place in us.
Recognitions received by Ajay Malhotra / Icon Investments (predecessor firm) and WealthSage Capital Services from empanelled AMCs. Awards represent appreciation for distribution performance and partnership, not investment returns.
WealthSage Blog
Market insights, investment education, and financial planning tips — written in plain language for every Indian investor.
Why SIPs Work Better in Volatile Markets
Rupee cost averaging explained simply — and why your SIP is your best friend when markets fall.
Budget 2026 and What It Means for Your Portfolio
A practical checklist for reviewing tax, retirement, and investment decisions after the Union Budget.
How Much Do You Really Need to Retire Comfortably in India?
The ₹2 crore myth vs reality — calculating your personal retirement number with inflation factored in.
ELSS vs PPF vs NPS: Which is Best for 80C?
A clear comparison of the three most popular tax-saving instruments for salaried investors.
The NRI's Complete Guide to Investing in Indian Mutual Funds
NRE vs NRO, FATCA compliance, repatriation rules — everything NRIs need to know before investing in India.
Nifty at 25,000: Overvalued or Still a Buy?
A disciplined look at valuations, earnings growth, and what long-term investors should actually do right now.
What Happens Next
Begin Your Wealth Journey
Book a complimentary 30-minute consultation. No obligations — just clarity about your financial future.
We'd love to hear from you.
1105A Galleria Tower, DLF Phase IV, Gurgaon, Haryana, India — 110009