I spent ten years inside the system.
Then I left to fix it.
DSP BlackRock. Kotak. IDFC FIRST. I watched how the industry worked from the inside. Now I work independently, with one goal: building portfolios that actually serve the people who own them.
Why I work independently
When you work inside a large institution, you see the gap between what clients need and what they get. RMs rotate. Products get pushed because of targets, not because they fit. Portfolios accumulate without strategy.
I left not because I was disillusioned, but because I could see exactly what needed to change. An independent mutual fund distributor has no rotation, no product quota, no competing interest. Just your portfolio.
“Your bank RM knows your account number. I know your tax bracket, your repatriation timeline, and why you have 130 funds with 40% overlap.”
That difference is everything.
Who I work with
HNIs in India , earning well, frustrated that their bank treats their portfolio like a product shelf. They want one person who sees the whole picture and is accountable for it.
NRIs investing in India , living abroad, investing in India, losing money not to bad markets but to bad structures. Tax residency, DTAA, repatriation, PFIC , these are not afterthoughts. They are where the strategy starts.
I work with a limited number of clients. That is a deliberate choice. Every portfolio I manage, I manage personally.
Career background
DSP BlackRock
One of India’s most respected asset managers. Built deep understanding of fund structures, portfolio construction, and institutional-grade investment thinking.
Kotak
Worked across wealth and investment products. Developed expertise in serving HNI clients across complex, multi-product portfolios.
IDFC FIRST
Deepened understanding of NRI investing, tax-efficient structures, and the compliance landscape for investors across geographies.
Independent , Surabhi Oberoi Wealth
AMFI Registered Mutual Fund Distributor, ARN-340033. Delhi-based. Serving HNIs and NRIs with portfolio building and coordination across mutual funds, PMS, AIFs and GIFT City.
Two concepts I’ve built my practice around
Portfolio Coordination
The coordination of multiple investment products , mutual funds, PMS, AIFs and GIFT City , into a single tax-optimised strategy. Not 12 siloed funds with overlap. One picture, one strategy, one person accountable. This is what I do for HNI clients with complex, multi-product wealth.
Portfolio Building
Constructing a goal-aligned, tax-efficient investment portfolio from scratch , or restructuring existing holdings that have accumulated without a strategy. For HNIs who are starting fresh with an independent manager, and for NRIs who need a structure that starts with their tax residency, not generic fund recommendations.
Professional details
Ready to talk about your portfolio?
Book a portfolio review. No pitch, no product push. Just an honest look at what you have and what it could be.
Book a Portfolio Review