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Have you covered your liabilities sufficiently?   In case of unfortunate event, will your family be financially the same as it is today?   Do you have the best tax benefits available as per your gross income?   Are you getting the best returns on your invested money?   Have you ever discussed your investment planning with any professionals?   Is your post retirement life secure?   Will you be able to afford the educational cost of your child ten years from now?   What comes on your mind when you hear the words insurance? Death? Premiums? Tax Savings? Retirement? Child Education?   Can your insurance/ investments be suitable to your needs and risk profile?

Investor Rights

  • Right to receive complete and accurate information about any Mutual Fund scheme before investing.
  • Right to know all costs, commissions, and fees (including trail commission received from AMCs).
  • Right to a documented risk profile assessment before any scheme recommendation.
  • Right to receive written unsuitability communication if a product is outside your risk ceiling.
  • Right to transparent, timely grievance redressal within 15 working days.
  • Right to access, correct, and request deletion of personal data under DPDPA 2023.
  • Right to invest in Direct Plans directly with AMCs at a lower expense ratio.
  • Right to switch between Regular and Direct Plans subject to AMC rules.
  • Right to escalate unresolved complaints to SEBI SCORES and SMART ODR.
  • Right to receive periodic portfolio statements and Consolidated Account Statement (CAS).

Investor Obligations

  • Provide accurate and complete KYC and personal information.
  • Complete risk profiling before investing and update it on life events or at least annually.
  • Read Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) before investing.
  • Inform us of any changes in personal details, bank accounts, or nominees.
  • Review portfolio statements and CAS regularly.
  • Do not share login credentials, OTPs, or passwords with anyone — including our staff.
  • Comply with FATCA / CRS self-certification requirements.
  • Report suspicious communications (phishing, impersonation) immediately.

Distributor Obligations

  • Act in the investor's best interest per AMFI Code of Conduct.
  • Conduct proper risk profiling before any scheme recommendation.
  • Disclose all commissions transparently.
  • Not guarantee or promise any specific returns.
  • Tag every transaction with the valid EUIN E032901.
  • Resolve grievances within 15 working days and maintain the complaints register.
  • Maintain investor records as per regulatory requirments.
  • Comply with all SEBI and AMFI guidelines including the Master Circular for MFDs.