18+ yrsPrivate banking & wealth management
MDManaging Director, SMS Realty UAE
UAE · IndiaCross-border wealth specialist
DIFC · ADGMWills & succession structuring
About Sanjit
“An advisor to ambitious entrepreneurs, business owners, and high-performing professionals — I deliver integrated finance and real estate solutions to help clients grow, protect, and manage their wealth with clarity and confidence.”
- Qualification
- MBA in Finance · Certified Investment Consultant
- Current role
- Managing Director, SMS Realty & SMS Consulting
- Experience
- 18+ years across banking, investments and real estate
- Based in
- Dubai since 2018 · advising clients in the UAE, India, UK & GCC
What Sanjit advises on
Advisory Services
Not sure where to start? A 30-minute, no-obligation consultation maps where you stand and what to do next.
Testimonials
What bankers, founders & colleagues say
Senior people who have worked alongside Sanjit — in their own words.
Including Barclays Private Bank, Rasmala & Oxford Bridge Capital
“In a few words of wisdom — intelligent, smart, rational, aggressive, competitive, a never-say-die attitude, and the best buddy at the office for all.”
“Sanjit is one of the most dynamic relationship managers a financial organisation can have. I have seen him in many phases, including acquiring new clients, managing extremely large relationships and, most importantly, handling a team of relationship managers. To my surprise, he has been amazing at all of them, with no exceptions ever. I have no doubt that he will be a great organisational leader in no time and can prove himself a valuable asset to any financial institution.”
“Sanjit is a very diligent and hard-working banker with an immense grip on the overall banking and wealth management business. Analytics is one of his fortes, along with the ability to slog it until the result comes home. It's indeed a pleasure for me to work in the same group with him. I wish him great success in his career.”
“Sanjit is a very hard-working, intelligent and jovial guy. He was always the centre of attraction in any gathering, and he developed himself into a very good wealth manager. He had this ability of striking big, almost regularly.”
“Sanjit is a self-driven, dedicated professional, an intelligent strategist and a self-motivated person — innovative in performing different tasks and always focused on achieving job objectives. A good planner, he plays an important role when it comes to brainstorming a problem, and is well known for his tactics to get things going. His depth of understanding of products, blended with exceptional people-management skills, takes him to another level. He has an amazing ability to motivate and lead a team. He will always be an asset to an organisation.”
“Sanjit was a diligent person who used to bring creativity and live energy to all the projects he undertook across various semesters at IIPM. He is very passionate and participative in different types of activities. He is also very lively and always ready to help any person in need, whatever the circumstances.”
Why Dubai
What You Keep: UAE vs India vs UK/US
MetricUAE (Dubai)India (Domestic)UK / US Hubs
Personal Capital Gains Tax 0% (Exempt)12.5% – 20%20% – 28%
Residential Rental Income Tax 0% (Exempt)30% Slab (Less 30% std)40% – 45%
Inheritance / Estate Duty 0% (With DIFC Will)0% (Complex Probate)40% above threshold
Currency Volatility Exposure Zero (Fixed USD Peg: 3.6725)Subject to INR DepreciationVariable Forex Fluctuations
10-Year Family Residency Included (AED 2.0M Property)Citizenship/OCI requiredTier-1 Investor High Hurdles
Net Retained Wealth Simulator
Simulated Annual Investment Profit:$250,000 USD
UAE (0% Personal Tax Drag):$250,000
India Retained (Post-Tax):$200,000
UK/US Retained (Post-Tax):$155,000
Estimated Annual Capital Saved via Dubai Structure:
+$50,000 USD vs domestic INR taxes.
+$50,000 USD vs domestic INR taxes.
On Time & Capital
“Money only understands
one language — time.”
Sanjit Banerjee, in conversation
Time Horizon Discipline
Capital without a clear time horizon reacts to daily market volatility. We structure portfolios designed to compound uninterrupted across multi-year cycles.
Fiduciary Alignment
No hidden commission structures or superficial product pushing. Clear, direct advice backed by 18 years of cross-border institutional experience.
Cross-Border Sovereignty
Diversifying legal jurisdictions between India, DIFC, and international hubs to protect family assets from unilateral systemic exposure.
Watch & listen · Sanban Talks
Straight answers on money, property and Dubai.
Insights
From Sanjit's desk
Straight talk on money, property and passing on wealth in Dubai.
All insights
