Sargam was born in a Marathi family of musicians at Dabhol, the seaport town in Ratnagiri District of Maharashtra. Her mother Neela Ghanekar was a classical singer and music teacher and knew arranger–composer Anil Mohile, who then arranged music for Kalyanji-Anandji. He introduced Sargam to them, and she was in the children's chorus in "Pam Pararampam, Bole Jeevan Ki Sargam" sung by Kishore Kumar in G. P. Sippy's Trishna (1978). Sargam performed at music festival Sawai Gandharva at the age of 4.