About Zen Wealth
Zen Wealth was built on a simple observation: most individuals are served by advisers who earn commissions from selling financial products — which means their incentives and yours are never truly aligned. After two decades of managing finances at the highest levels of corporate India, Milan Kumar Sahu set out to offer something different: professional-grade financial advisory that is contractually, provably, 100% on your side.
About the Founder
Milan Kumar Sahu
SEBI Registered Investment Adviser & Research Analyst
Milan Kumar Sahu spent over 20 years at leading multinational corporations, where he was responsible for the kind of financial decisions that affect entire business units — capital allocation, performance analysis, strategic planning, and data-driven forecasting. He holds an MBA (PGDM) in Finance from K J Somaiya Institute of Management Studies & Research, Mumbai.
When he decided to transition to independent financial advisory, he chose to do it with the same rigour: earning all three relevant NISM certifications, obtaining both SEBI Investment Adviser and Research Analyst registrations, and building a practice structured entirely around flat fees with zero commissions. His corporate expertise spans:
- Financial Planning & Analysis (FP&A)
- Finance Analytics and Data-Driven Decision Making
- Business Finance and Corporate Finance
- Strategic Planning and Performance Management
This extensive corporate experience — combined with his SEBI registrations as both an Investment Adviser (INA000021100) and Research Analyst (INH000022710), and NISM certifications in Investment Adviser (Series X-A & X-B) and Research Analyst (Series XV) — forms the foundation of Zen Wealth's advisory approach.
Qualifications & Certifications
| Credential | Details |
|---|---|
| Education | PGDM (MBA) — Finance, K J Somaiya Institute of Management Studies & Research, Mumbai |
| NISM Series X-A | Investment Adviser (Level 1) — Valid till April 11, 2028 | Reg. No. NISM-202500054156 |
| NISM Series X-B | Investment Adviser (Level 2) — Valid till April 26, 2028 | Reg. No. NISM-202500054156 |
| NISM Series XV | Research Analyst — Valid till April 18, 2028 | Reg. No. NISM-202500054156 |
| SEBI Registration — IA | INA000021100 (Individual Investment Adviser), valid from 08 October 2025 |
| SEBI Registration — RA | INH000022710 (Individual Research Analyst), valid from 13 August 2025 |
Our Mission, Vision and Philosophy
Our Mission
To give every client access to the quality of financial thinking that was previously available only inside large corporations — disciplined, data-driven, and genuinely in your interest. We measure success not by assets under advice, but by whether our clients are visibly better off and more financially confident each year.
Our Vision
Zen Wealth envisions becoming a leading beacon of trust and excellence in the Indian financial advisory landscape. We aim to build lasting relationships by consistently delivering value through ethical practices, innovative solutions, and a client-first mindset — helping you realize your dreams and secure your financial future.
Investment Philosophy
Markets reward patience and punish speculation. We build diversified, goal-linked portfolios designed to survive bad markets — not just perform in good ones. Every allocation decision is backed by data and documented with a rationale. We do not chase returns, predict markets, or recommend what is currently popular. We recommend what fits your situation, verified through formal risk profiling, then we stay the course alongside you.
Why Choose Zen Wealth
The Indian financial advisory landscape has two broad camps: large distributors who earn commissions from product sales, and a much smaller group of genuinely fee-only advisers who are paid exclusively by their clients. Zen Wealth belongs firmly in the second camp — and goes further by combining fee-only investment advisory with SEBI-registered equity research under one roof.
Most individual advisers in India hold only an Investment Adviser registration. Milan also holds a Research Analyst registration — meaning he can produce formal, SEBI-compliant research reports with explicit buy, hold, or sell recommendations, backed by the financial modelling discipline he developed over 20 years in corporate finance. Very few individual practitioners offer both.
Beyond credentials, the difference is mindset. Milan approaches your personal wealth the same way he approached high-stakes corporate financial decisions: methodically, honestly, and without letting short-term noise override long-term thinking. That is what Zen Wealth is built on.
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