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Santosh Badhei —
Founder, Khazana Associates
Profile
Santosh Badhei is the Founder of Khazana Associates and one of India's most experienced AMFI Registered Mutual Fund Distributors. With over two decades of distinguished service across India's leading banking institutions, Santosh brings unparalleled depth of knowledge, integrity and client commitment to every investor relationship.
His career spans prestigious roles at Standard Chartered Bank, HDFC Bank, ING Vysya Bank and ICICI Bank — giving him a 360-degree understanding of retail banking, investment distribution, wealth creation and retirement planning. This rich institutional experience is what sets Khazana Associates apart from ordinary distributors.
Santosh holds multiple certifications from the National Institute of Securities Markets (NISM) — including Mutual Fund Distributor, Certified Retirement Adviser and Certified PMS Distributor — making him one of the most comprehensively qualified distributors in India today.
His investor base spans salaried professionals, business owners, High Net Worth Individuals (HNIs) and Non-Resident Indians (NRIs) across Gurugram, Bhubaneswar, Hyderabad, Pune and beyond. Each client receives a deeply personalised approach — with investment solutions tailored to their unique life goals, risk profile and time horizon.
At Khazana Associates, we do not just distribute mutual funds. We build lasting relationships rooted in trust, transparency and long-term wealth creation.
Experience You Can Trust.
Credentials You Can Verify.
20+ Years
Banking & Investment Distribution Experience
3 NISM Certifications
MFD · Retirement Adviser · PMS Distributor
250+ Investors
Served Across India
& Globally
Licenses &
Certifications
2023-2026
Certified Retirement Adviser
Issued by: National Institute of Securities Markets (NISM) This certification authorises Santosh to distribute Regular Plan mutual fund schemes across all SEBI registered Asset Management Companies in India.
2023-2027
Mutual Fund Distributor
Issued by: National Institute of Securities Markets (NISM) Specialist certification in retirement planning — helping investors build corpus for a financially secure retirement through systematic investment strategies.
2023-2026
Association of Portfolio Managers
Issued by: Association of Portfolio Managers in India (APMI) APRN Code: APRN00201 — Khazana Associates
2023-2026
Certified Portfolio Management Services (PMS) Distributor
Issued by: National Institute of Securities Markets (NISM) Authorises distribution of Portfolio Management Services (PMS) to eligible investors with a minimum investment of ₹50 lakhs.
Why Investors Trust Khazana Associates
SEBI & AMFI Regulated
We are an AMFI Registered Mutual Fund Distributor (ARN: 131419) & APMI Registered PMS Distributor (APRN: APRN00201). Your investments are always processed directly with SEBI-regulated AMCs.
Zero Conflict of Interest
As a distributor we are compensated through trail commission from AMCs — not from your pocket. Our interest is fully aligned with your long-term investment growth.
Truly Personalised Service
We take time to understand your life goals, income, risk appetite and investment horizon before suggesting any product. No one-size-fits-all solutions here.
Professional Experience
2012-2017
Branch Head, ICICI Bank
Santosh's extensive experience culminated at ICICI Bank, a leading name in India's private banking sector, where he served as a Branch Head. In this comprehensive leadership role, he held full responsibility for the entire spectrum of retail banking services and financial products. His mandate included overseeing the seamless delivery of:
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Core Banking Operations: Managing daily branch activities, ensuring operational efficiency, and maintaining high standards of customer service.
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Wide Range of Products: Providing a vast array of services such as savings and current accounts, fixed deposits, loans (home, personal, vehicle), debit/credit cards, mutual funds, insurance, and foreign exchange services.
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Strategic Business Development: Focusing on customer acquisition, relationship management, and driving the branch's growth targets.
2009-2012
Operations Manager, ING Vysya Bank
Prior to his role at ICICI, Santosh made significant contributions at ING Vysya Bank as an Operations Manager. In this pivotal capacity, his responsibilities were broad and critical, encompassing the seamless delivery and efficient management of all retail banking services. His key contributions included:
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Comprehensive Customer Service Oversight: Leading and optimizing customer service initiatives, ensuring a superior client experience across various banking touchpoints for diverse financial products.
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Retail Financial Product Management & Sales Support: Playing a crucial part in the operational enablement of selling various bank financial products, ensuring product readiness and smooth transaction execution.
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Ensuring Regulatory & Bank Compliance: Rigorously adhering to all regulatory guidelines and internal bank policies, implementing robust controls, and staying abreast of evolving financial regulations to mitigate risks effectively.
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Streamlining Back-End Operations: Managing and optimizing all back-end operational processes essential for the smooth functioning of retail banking, focusing on creating efficient workflows and enhancing overall productivity.
2005-2009
Preferred Relationship Manager, HDFC Bank
Earlier in his career, Santosh honed his client-centric approach at HDFC Bank, where he excelled as a Preferred Relationship Manager within the branch. This role placed him at the forefront of client engagement and personalized financial advisory. His key responsibilities and achievements included:
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Cultivating High-Value Client Relationships: Managing and growing a portfolio of high-net-worth (HNI) and affluent clients, building deep, trusted relationships by understanding their unique financial goals, risk appetites, and life stages.
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Delivering Tailored Financial Solutions: Acting as a primary point of contact, he provided comprehensive financial solutions encompassing a wide range of HDFC Bank's offerings, including investment advisory (mutual funds, equities, fixed deposits), wealth management strategies, premium retail banking products, insurance, and Forex/NRI services.
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Strategic Financial Planning: Collaborating with clients to develop long-term financial plans for significant life events such as retirement funding, child's education, wealth transfer, and legacy planning.
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Driving Growth: Identifying opportunities to cross-sell and up-sell relevant banking and financial products based on client needs, consistently exceeding targets and contributing significantly to the branch's revenue growth.
2004-2005
Officer, Standard Chartered Bank
Santosh Badhei's illustrious financial journey commenced with a pivotal role as an Officer at Standard Chartered Bank. This marked an invaluable period of hands-on learning and foundational growth, where he gained essential experience in both sales and operations. It was during this time that he cultivated his understanding of:
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Exceptional Customer Experience: Learning the paramount importance of prioritizing client needs and delivering outstanding service, a principle that continues to define his client-centric approach.
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Financial Product Sales: Gaining his initial exposure to presenting and selling a range of financial products, understanding their features, benefits, and how they meet diverse customer requirements.
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Operational Excellence: Mastering the intricacies of back-end processes, ensuring smooth transactions, and upholding the bank's stringent standards for efficiency and accuracy.