Your Questions, Answered

Sage Circle helps Indian families take control of their financial lives — without the stress of navigating complex paperwork, government portals, or investment decisions alone. We handle KYC updates, recover forgotten or unclaimed assets, rebalance investment portfolios, and help families plan for a smooth transfer of wealth to the next generation.

We primarily serve retirees, senior citizens, and their families — especially those who feel overwhelmed by financial paperwork, have investments scattered across multiple places, or want to ensure their assets are properly organised for their loved ones. If you're an adult child trying to help your parents get their finances in order, we're here for you too.

Our office is in Sector 43, Gurugram. We currently serve clients in 23 cities across India. For families based outside of Delhi NCR, we are able to work remotely over phone and video calls, and rely on our local partners for on-site coordination. Reach out and we'll let you know how we can help.

Most banks and advisors focus on selling financial products. We don't. Sage Circle is a service-first firm — our job is to organise, protect, and simplify your financial life. We work exclusively with families, take a hands-on approach to paperwork and follow-up, and assign you a dedicated relationship manager who stays with you for the long term.

We follow a transparent model. We have an annual membership which includes some free services, good practices we recommend, as well as discounted pricing on transactional services. If you only need a single transaction, case-based pricing is also available. During your free initial consultation, we will clearly explain the fees applicable to your situation before any engagement begins. There are no surprises. Please also check our Plans section or contact us for a free consultation.

Yes. Sage Circle operates in compliance with applicable regulations. All investment-related services are provided by our advisors, who are NISM certified as per SEBI requirements. We are happy to share our credentials during your first consultation.

We treat every family's information with the strictest confidentiality. Your data is never shared with third parties without your explicit consent.

Unclaimed assets are financial holdings that have been inactive or forgotten — old fixed deposits, dormant savings accounts, unclaimed dividends, PPF accounts, insurance maturity proceeds, or EPF balances from previous employers. In India, billions of rupees sit unclaimed in government and institutional accounts every year. We systematically trace, verify, and file the necessary claims on your behalf to recover what is rightfully yours.

Absolutely — this is one of the most common situations we see. We start by mapping out everything you hold across all institutions, then work with you to consolidate and rebalance in a way that suits your current income needs, risk comfort, and goals for your family's future.

Yes. Ensuring nominations are updated and legally sound across all financial assets — bank accounts, mutual funds, insurance policies, PPF, and more — is one of the most important things a family can do. We handle the entire process, institution by institution, so nothing is missed.

We strongly recommend every family have a will in place, and we regularly guide families through this process. While we work closely with legal professionals for will drafting and registration, we coordinate the entire process for you — from understanding your wishes to ensuring your assets are properly nominated and structured to match your intentions.

We are deeply sorry for your loss. Yes — helping families navigate the financial aftermath of losing a loved one is one of our most important services. We handle the transfer of assets, closure of accounts, insurance claims, and all the associated paperwork, so your family can focus on healing rather than bureaucracy.

Yes, completely free and without any obligation. In the first conversation — which typically lasts 30 to 45 minutes — we simply listen. We try to understand your situation, the challenges you're facing, and what you're hoping to achieve. You can ask us anything. At the end, we'll share our honest assessment of how we can help.

Nothing formal is required. If you have a rough sense of where your investments and accounts are held, that's helpful — but even if you don't, we can help you piece it together. Many clients come to us saying "I don't even know where to start" and that is perfectly fine.

Absolutely, and we actively encourage it. Many of our clients find it helpful to have a trusted family member present, both for reassurance and to help with follow-ups. We're happy to work with the whole family.

Our method is to first consolidate a list of all known assets and resolve any specific concerns — such as KYC, nominee, or name transfer issues for bank FDs and property. We then check various resources for any unclaimed assets, and our experience is that we almost always find something. Before mid-2005, most investments were paper-based and families did not openly discuss finances — yet almost all employed individuals invested in government saving schemes and tax-saving instruments. We help uncover these. We then review the overall portfolio and share suggestions where needed. Finally, we encourage an inheritance management process so assets can be easily transferred to legal heirs.