Tax · Wealth · Protection · Mumbai
Ab FD se zyada kamaowithout the guesswork
15+ years of helping individuals manage their money — now Sarvam Associates brings you premium investment solutions built for those who want better returns than a fixed deposit offers.
Trusted by 500+ investors across Mumbai
15+ years
of tax, compliance and financial advisory
500+ investors
across Mumbai
Bhandup (West)
— a practice you can walk into
Authorised distribution partner
of Nuvama Wealth Management Ltd
The bigger picture
Financial decisions rarely exist in isolation.
Tax affects what you keep. What you keep decides what you can invest. Investments decide your liquidity. Liquidity decides whether protection ever gets bought. And for a business owner, every one of those reaches back into the company. Most people get each piece from a different person, and nobody sees the whole.
Sarvam Associates connects these pieces.
- TaxWhat you actually keep
- InvestmentsWhat that capital becomes
- LiquidityWhat you can reach when you need it
- ProtectionWhat survives a bad year
- WealthWhat compounds over a decade
Why Sarvam
Your neighbourhood CA, now your wealth partner
Sarvam Associates has been your trusted financial partner for taxes and compliance. Now, we bring you premium investment products built for serious wealth creation — with the personal guidance you already trust us for.
One financial picture
From ITR filing to SIP investing to PMS — one advisor who actually knows your full financial picture, not just one piece of it.
Institutional-grade access
Institutional-grade investment products — available to you with the personal touch of a boutique advisor.
Advice you can audit
No product pushed to hit a target. We tell you how we're paid, and we recommend what actually fits your goals — including when that means recommending nothing at all.
Safe money isn't the same as smart money. The right wealth strategy changes everything.
We are a chartered accountancy practice first. That means when we look at an investment, we are already looking at what it does to your tax position — which is a conversation most investors never get to have.
The practice
Fifteen years of tax and compliance, still the core.
The wealth arm exists because our clients kept asking the same question after filing season: what should I actually do with this money?
Direct Tax Consulting
Income tax planning, return filing, assessments and representation for individuals and businesses.
Read moreGST & Indirect Taxation
Registration, monthly and annual returns, reconciliation and advisory on indirect tax.
Read moreAudit & Assurance
Statutory, internal, management, due diligence and tax audit for businesses and professional practices.
Read moreInsurance Solutions
Life, health and business protection, advised alongside the wealth plan rather than separately.
Read more
Solutions
Products for every financial goal
Seven categories, from a ₹500 monthly SIP to alternative strategies with a ₹1 crore minimum. Each one states plainly who it is for, and who it is not.
Goal-Based Investing
Personalised investment strategies aligned with your future financial goals. Whether it's your child's education, a dream home, or a secure retirement — each goal gets its own timeline, its own risk level, and its own plan.
From ₹500/monthWealth Creation Portfolios
Diversified, growth-oriented portfolios designed for long-term wealth generation — for investors building a meaningful corpus over five to ten years and beyond.
From ₹5,000Portfolio Management Services
Professionally managed, high-conviction strategies for sophisticated investors. Unlike a mutual fund, the stocks are held directly in your own demat account. Regulatory minimum ₹50,00,000.
From ₹50 LakhAlternative Investment Funds
Access to private, structured and institutional strategies outside traditional markets. For eligible investors seeking diversification. Illiquid and long-horizon by design — regulatory minimum ₹1,00,00,000.
From ₹1 CroreStable Income Solutions
Income-oriented strategies focused on stability and capital preservation — debt funds, bonds and market-linked debentures, with the tax efficiency and liquidity a fixed deposit cannot offer.
From ₹1,000Wealth Protection Planning
Protection strategies that secure your family and the wealth you have already built. One health emergency can undo years of compounding — protection belongs inside the plan, not beside it.
On enquiry
Our institutional partner
Institutional strength.
Boutique relationship.
Sarvam Associates gives you access to institutional-grade investment platforms and research — the kind of scale and infrastructure usually reserved for large institutions — backed by the personal relationship and accountability you deserve from an advisor who actually knows you.
- Access to a full suite of institutional-grade investment products
- Every recommendation backed by research, not guesswork, not gut feeling
- Tax and wealth planning under one roof — your CA and your advisor, finally on the same page
- Fully digital onboarding, with a real person reviewing every step
- A dedicated relationship manager, from day one — not a call centre
Who does what
- Nuvama Wealth Management Ltd
- Manufactures and issues the products. Runs the investment strategies and makes every buy and sell decision inside them. One of India's leading wealth management platforms, trusted by HNIs and institutions.
- Sarvam Associates
- Distributes them, as an authorised partner. Assesses whether a product suits you, handles onboarding and paperwork, and manages your relationship and reviews. Does not manage any portfolio and does not issue any product.
Investment in Nuvama products is facilitated by Sarvam Associates as an authorised distribution partner. Products are offered by Nuvama Wealth Management Ltd. All investments are subject to market risks. Please read all scheme related documents carefully.
The numbers
The scale behind the relationship
Two of these figures describe the platform we distribute through, not our own book — so they are labelled that way. The other two describe how specific products are structured.
15+
Years of financial advisory
Sarvam Associates
500+
Investors across Mumbai
Sarvam Associates
₹1L Cr+
AUM you get access to
Nuvama Wealth platform
1M+
Investors across our platform network
Nuvama Wealth platform
- Indicative
8.5–12%
Indicative returns on MLD offerings
100%
Base capital protection on select offerings
Select structures only, subject to issuer credit
Important information
Investments are facilitated by Sarvam Associates through SEBI-registered platforms and partners. All investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Base capital protection is a feature of select market-linked debenture structures only. It is subject to the issuer meeting its obligations and is not a guarantee. Returns on market-linked debentures are linked to an underlying reference and are not assured.
The process
From conversation to compounding.
Four steps, no surprises. The first one is free and carries no obligation — including the obligation to invest anything at all.
Free Consultation
A 15-minute call with our wealth advisor where we get to know your goals, timeline, and what you're already invested in.
Personalised Plan
We build a wealth strategy tailored to you using the right products for your profile.
Seamless Onboarding
We handle all the paperwork. Digital KYC, account setup — you're investing within days.
Ongoing Review
Quarterly check-ins, annual rebalancing, and a direct line to your advisor whenever markets get interesting.
15 minutes. No commitment. No sales script.
Where your money can sit
Same rupee. Different job.
There is no best option here — only a best fit for a given horizon and a given tolerance for risk. The figures below are indicative, not offers.
Bank FD
6.5–7.5%Indicative
- Risk
- Low
- Liquidity
- Locked, penalty on premature exit
- Tax treatment
- Taxed as income at slab rate
- Best for
- Certainty over return
Debt Funds
7–9%Indicative
- Risk
- Moderately low — credit and rate risk
- Liquidity
- Redeem in 1–2 business days
- Tax treatment
- Per prevailing rules for the fund type
- Best for
- Stability with access
Bonds
8–11%Indicative
- Risk
- Moderate — credit risk on the issuer
- Liquidity
- Low — thin secondary market
- Tax treatment
- Coupon taxed as income
- Best for
- Contracted income on known dates
Important information
Indicative yields. Not a guarantee. Subject to market and credit risk. Consult your advisor.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Questions
The things people ask first
Including the two most advisors avoid: how we're paid, and what we can't promise.
What exactly does Sarvam Associates do?
Two things, for the same clients. We are a chartered accountancy practice handling direct tax, GST, audit and compliance. We are also an AMFI-registered mutual fund distributor and an authorised distribution partner of Nuvama Wealth Management Ltd, through which we help clients invest. The point of doing both is that your tax position and your investments get considered together rather than by two people who never speak.
Are you an investment adviser or a distributor?
A distributor. We are an AMFI-registered mutual fund distributor and an authorised distribution partner for the investment products shown on this site. We do not hold a SEBI Investment Adviser registration. The distinction matters: as a distributor we are compensated by the product manufacturers through commission, not by you through an advisory fee.
How are you paid?
Through distribution commission paid by product manufacturers, which is built into the product rather than billed to you separately. This is standard for a distributor, and it is worth understanding, because it means we have a commercial relationship with the manufacturers whose products we recommend. Ask us what we earn on anything we suggest and we will tell you.
What is Nuvama's role, and what is yours?
Nuvama Wealth Management Ltd manufactures and issues the investment products — they run the strategies and make the investment decisions. Sarvam Associates is their authorised distribution partner: we assess whether a product suits you, handle onboarding and paperwork, and manage your relationship and reviews. We do not manage any portfolio and we do not issue any product.
Do I need a large amount to start?
No. A SIP starts at ₹500 a month and a lump-sum mutual fund investment at ₹1,000. Some products do carry high regulatory minimums that cannot be waived — PMS requires ₹50,00,000 and AIFs ₹1,00,00,000, both set by SEBI rather than by us.
Can you guarantee returns?
No, and neither can anyone else offering market-linked products. Every investment shown on this site carries risk, including the possibility of losing money. Where a product includes a capital protection feature, that feature depends on the issuer meeting its obligations and is not a guarantee. Any figures described as indicative are illustrations of how a product is designed to behave, not promises of what you will receive.
Next step
Let's build your financial plan together.
A 15-minute conversation about your goals, your timeline, and what you already hold. No commitment, no sales script — and an honest answer if we think you don't need us.
Important information
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Sarvam Associates is a distribution partner, not the manufacturer of these products.
The content on this website is for general information only and does not constitute investment advice or a recommendation to buy or sell any product. Product suitability depends on your individual circumstances. Please speak with an advisor before investing.