Founder & CEO
Saday Sinha
21 years in financial markets, across equity research and equity strategy. Leads strategy and client relationships.
Building Wealth,
Preserving Legacies.
Access to PMS, AIF, SIF, mutual funds, bonds and estate planning, from regulated providers and specialist partners, built around your goals and the people who matter to you.
- 500+Families served
- 12Countries
- 21+ yearsFounder’s experience in financial markets
Our solutions
From your first SIP to your family’s legacy
Explore different structures, understand how they work, and review their costs, eligibility and risks.
Mutual Funds
Diversified equity, debt and hybrid schemes from SEBI‑registered fund houses. Returns, costs and risks vary by scheme.
SIP · Lumpsum · STP · SWPExploreSpecialized Investment Funds
A SEBI‑regulated fund category with strategies that may include long‑short positions.
Minimum ₹10 lakh per PAN, per fund houseExplorePortfolio Management Services
A portfolio held in your demat account and managed by a SEBI‑registered portfolio manager.
Minimum ₹50 lakhExploreAlternative Investment Funds
Privately pooled funds across Category I, II and III. Strategies, risks, eligibility and minimum investment vary by fund.
Minimum ₹1 croreExploreBonds & Corporate FDs
Explore government securities, listed bonds and corporate fixed deposits. Rates, repayment terms and risks vary by offering.
Fixed incomeExploreStructured Products
Market-linked notes with a pre-set payoff formula. Returns are not assured and depend on markets and the issuer’s ability to pay.
For eligible investorsExploreLegacy & Estate Planning
Wills, family trusts and succession paperwork, coordinated with qualified legal professionals.
Will · Trust · TransmissionExploreInsurance
Cover to protect your family, income and assets, from IRDAI-registered insurers.
Life · Health · GeneralExploreThe DreamLadder difference
One family. One picture. Every generation.
Family wealth spans accounts, countries and lifetimes. We bring the pieces together, so your family can see the full picture.
Family holdings, side by side
Family holdings across asset classes, including foreign assets, in one app. We work with families across 12 countries.
Beyond the factsheet
We meet fund managers and CIOs regularly. Those conversations add context to published information about a fund’s approach and process.
Planning for what comes next
Wills, trusts and succession documents, coordinated with qualified legal professionals, so your family knows the roles and next steps.
AMFI‑registered Mutual Fund & SIF Distributor·APMI‑registered PMS Distributor·We disclose how we are paid
How we work
Four steps. Your decisions.
A clear process from the first conversation through ongoing reviews. You choose whether and when to proceed.
It starts with you
Share your goals, time horizon, existing holdings and comfort with risk.
A conversation, not a commitmentOptions, made clear
We explain offerings from SEBI‑registered managers and other regulated providers, including costs, liquidity and stated risks.
Understand the trade‑offsProceed on your terms
We coordinate KYC, paperwork and onboarding with the relevant provider.
You decide. We coordinate.Regular updates, ongoing reviews
Access portfolio updates and family‑wide reports through the app.
Revisited as life changes
Who we serve
Find your starting point
Every family’s priorities are different. Here is where our conversations usually begin.
Families & HNIs
Look beyond mutual funds as wealth grows, with the family’s long‑term priorities in view.
NRIs & global Indians
Understand KYC, documentation and product availability when investing in India from abroad.
Business owners
Keep business liquidity and personal wealth distinct, while planning for succession.
Professionals
Build investments around a demanding career, multiple goals and limited time.
Retirees
Arrange steady cash flow and access to funds, and decide how wealth may pass on.
A long‑term view
See what time can do
Compare how the same amount could grow in six asset classes, at returns you choose. Illustrations, not forecasts. All 9 calculators →
₹
years
1 year40 years
Assumed annual return (2% to 13%)
After 25 years, at your assumed returns
Total invested ₹1.50 Cr
Each bar puts the full amount into one asset class, growing at a steady rate every year. Real returns vary, and taxes and costs are not included.
- Fixed deposits at 7%: ₹4.07 Cr
- Bonds at 8%: ₹4.79 Cr
- Gold/Silver at 9%: ₹5.65 Cr
- Global equity at 10%: ₹6.69 Cr
- Real estate at 10%: ₹6.69 Cr
- Indian equity at 13%: ₹11.36 Cr
Want to talk through what these numbers mean for your family?
Discuss your numbers- Illustration only. Six separate scenarios, not a portfolio. Rates are editable assumptions, kept within the 2%–13% range AMFI permits for illustrations, not forecasts or any scheme’s returns. Actual returns can be lower, flat or negative.
- Past performance may or may not be sustained in future. Mutual Fund investments are subject to market risks; read all scheme related documents carefully.
- Reference points from AMFI’s illustration material (10-yr rolling CAGR, 2014–24): Nifty 500 12.8%, bonds 7.85%, gold 8.84%; shown as 13%, 8%, 9%. The gold figure is also used for Gold/Silver.
- Global equity, FD and real estate rates are DreamLadder’s illustrative assumptions, not sourced historical returns.
Explore a mix
Spread it across asset classes
Choose an amount, period and asset mix to see an illustrative portfolio value. Amount, period and returns are shared with the calculator above.
1Your investment
2Your allocation
Equity60%
Indian equity%%
Global equity%%
Fixed income25%
Fixed deposits%%
Bonds%%
Gold/Silver & real estate15%
Gold/Silver%%
Real estate%%
Total allocation100%
After 25 years, this mix could be worth
₹8.37 Cr
Without rebalancing Assumes constant returns; actual outcomes vary.
- Invested
- ₹1.50 Cr
- Annualised return
- 11.29% p.a.
- Multiple
- 5.6×
- Fixed deposits10%5%₹40.74 L
- Bonds15%9%₹71.80 L
- Gold/Silver10%7%₹56.48 L
- Global equity10%8%₹66.89 L
- Real estate5%4%₹33.45 L
- Indian equity50%68%₹5.68 Cr
Want to discuss how a mix like this fits your family?
Discuss your mix- Example mix only, not a recommendation. Rates (2%–13%) stay constant every year; no taxes or costs. Actual returns can be lower, flat or negative.
- No rebalancing: each part grows at its own rate; annualised return is the single yearly rate giving the same end value. Yearly rebalancing: the mix is reset each year, so the annualised return is the weighted average of the rates.
Insights
Markets, explained clearly
Weekly market updates and investor guides, for context, not recommendations. All insights
Beyond the factsheet
Listen. Learn. Share.
We meet fund managers to understand their approach across market cycles, then share useful perspectives through talks and investor education. These conversations add context to published information; investment decisions remain yours.
Meet the founders
Long-term thinking, grounded in experience
Founded in 2018, DreamLadder was built to make complex financial choices clearer for families.
Co-founder & Director
Priyanka Mishra
Banking and product-management experience. Leads product and operations.
Frequently asked questions
A few useful things to know
Clear answers to common questions before you get in touch. See all FAQs
What does DreamLadder do?
We distribute investment products from regulated providers and help families understand their features, eligibility, costs and risks before deciding whether to proceed. We are a distributor, not a SEBI-registered investment adviser.
Which products can I explore?
Our offering includes mutual funds, SIFs, PMS, AIFs, bonds and corporate fixed deposits, structured products, insurance from IRDAI-registered insurers, and estate-planning coordination with qualified legal professionals. Availability and eligibility vary by product.
How is DreamLadder paid?
For mutual funds, we deal in Regular Plans and receive trail commission on client investments. We disclose commission at the time of investment. Direct Plans are available from fund houses, but we do not distribute them.
Do you work with NRIs and global Indians?
We work with families investing in India from abroad. Documentation and product availability can depend on your country of residence, tax status and the provider’s rules, so we discuss those details before onboarding.
What happens in the first conversation?
We learn about your goals, time horizon, existing holdings and questions. There is no obligation to proceed; you decide whether and when to take a next step.
Can I see my family’s investments in one place?
Largely, yes. Our app shows family-wide holdings across many asset classes, including foreign assets, with portfolio updates and reports. Some holdings may not appear, depending on the product.
Do you offer GIFT City (IFSC) products?
Yes. We work with GIFT City fund houses and managers. Eligibility, minimum investment, currency and tax treatment differ from Indian schemes, so we go through these before you decide.
Are investment returns guaranteed?
No. Investments carry risks, and returns can be lower than expected or negative. Past performance may or may not be sustained in future. Review the relevant offer and scheme documents carefully before investing.
Talk to us
Start with a conversation
Tell us what matters to your family. We will explain the options, the costs and the information needed for a useful discussion. There is no obligation to proceed.
- 1Pick a time
- 2A relaxed first chat
- 3Options, explained
Mon–Fri 8 AM – 6 PM · Sat 9 AM – 3 PM IST · Families in 12 countries