Belfins: Building Long-Term Wealth Through Trust & Engagement

Traditional investment options like Fixed Deposits (FDs) are losing favour due to low real returns. With 3-year FDs offering around 6.5 percent and inflation close to 5.5 percent, actual wealth growth is negligible. In contrast, mutual funds have emerged as a strong alternative, offering the potential for better long-term returns despite short-term market fluctuations.

The “Mutual Fund Sahi Hai” campaign by AMFI, under SEBI’s regulation, has played a key role in increasing awareness and trust among investors. SIPs have made mutual fund investing more accessible and disciplined for everyday investors. With improving financial literacy and digital access, mutual funds are becoming a preferred choice for wealth creation. The market potential in India remains vast and largely untapped.

Today’s investors face challenges like market volatility, product complexity, and unclear financial goals. BELFINS guides clients in setting specific objectives, like funding their child’s education, planning a dream vacation, or ensuring a comfortable retirement.

A common misconception it addresses is around portfolio gains. For example, a ₹10 lakh gain may seem like surplus money, but it’s often earmarked for future goals. Withdrawing it prematurely can derail long-term plans.

BELFINS, based in Pune, has grown steadily over six years and now serves 600+ clients. Post-COVID, the firm has embraced digital tools to support clients across geographies. Its core mission remains helping families stay disciplined, goal-focused, and committed to long-term investing for real wealth creation.

The Strategic Approach

Consistent client engagement is critical, especially during market downturns. When markets are uncertain, investors don’t need panic or noise, they need reassurance, clarity, and trusted guidance. BELFINS stand by its clients in tough times and often advise them to continue investing if they believe in India’s long-term growth. The founder firmly believes the next 25 years belong to India, as the country advances from being the fourth to the third-largest economy globally, backed by strong structural growth.

While trust and transparency are mandated by regulators like SEBI, what truly differentiates BELFINS is its ongoing, personalized engagement. The firm doesn’t rely on algorithms or generic AI advice. Instead, it takes time to understand each client’s age, family responsibilities, life goals, and risk appetite to create truly customized financial plans.

We build long-lasting relationships through trust, transparency & consistent engagement

Sachin Arun Belgalkar, Proprietor, Trisha Belgalkar, Relationship Manager & Sunita Belgalkar, Co-Founder

Interestingly, its success has come largely through word-of-mouth referrals rather than advertising or bank-style promotions. Satisfied clients become advocates, referring friends and family. The firm has found that engaged clients not only stay invested, they help business grow with trust and loyalty.

Business Expansion & Operational Efficiency

Founded in 2017 by brother-sister duo Sachin and Sunita Belgalkar, BELFINS began its journey by offering Loans for high-net-worth individuals. However, after 2019, Sachin Belgalkar made a strategic shift into the mutual fund distribution space, guided by a long-term vision of helping families grow and preserve wealth.

Trust has always been the foundation of BELFINS’ approach. Sachin believes that clients gradually open up about their financial matters, and that this evolving trust enables deeper relationships. Today, BELFINS manages approximately ₹225 crores in assets under management (AUM), built primarily through long-term client relationships and referrals.

Sachin left a well-established banking career in 2011 to pursue his entrepreneurial journey. Sunita continues to lead the loans vertical, handling all asset-side requirements, and serves as a major referral source and a pillar of the firm’s success.

Back-office operations are handled by Chaitrali, who leads a small but efficient team of three. The firm follows a 1:200 staff-to-client ratio to ensure personalized and efficient service. Sales are driven solely by Sachin, now supported by his daughter Trisha Belgalkar, representing the next generation of BELFINS.

The firm has experienced consistent and impressive growth, largely driven by word-of-mouth and client satisfaction, not big marketing budgets. BELFINS remains a lean, values-driven firm focused on client trust, long-term goals, and sustainable expansion.

The Road Ahead

BELFINS aims to scale its Asset Under Management (AUM) from ₹225 crores to ₹1,000 crores in the coming years. With a current base of 350 families, the firm plans to serve 1,000 families over the next five years. Focused on trust and personalized service, BELFINS also offers a mobile app to help clients track their portfolios. The firm is committed to becoming a leading Mutual Fund Distribution name, built on strong relationships and steady, values-driven growth.