Your Rights as an Investor
| S.No | Right | Description |
|---|---|---|
| 1 | Complete Information | Receive complete, accurate, and updated information about mutual fund schemes, including SID, SAI, KIM, addenda, factsheets, portfolio disclosures, and applicable risk factors before making an investment decision. |
| 2 | Commission Transparency | Receive disclosure of commissions earned or receivable in relation to the schemes being distributed, in accordance with the applicable regulatory framework and disclosure practice. |
| 3 | Plan Choice | Choose between Regular Plan and Direct Plan for mutual fund schemes. Direct Plans are available through AMC or authorised channels, though services here are for Regular Plans only. |
| 4 | Account Statements | Receive transaction confirmations, holding statements, and Consolidated Account Statements through the applicable AMC, RTA, depository, or intermediary channels. |
| 5 | Suitability Process | Expect a suitability-oriented distribution approach, including risk profiling and product mapping, wherever applicable before recommendations are made. |
| 6 | Grievance Redressal | Lodge complaints and seek timely redressal through the grievance process, AMC or RTA channels, SEBI SCORES, and SMART ODR where applicable. |
| 7 | Data Privacy | Expect confidentiality and reasonable protection of personal and financial information, subject to legal, compliance, and record-retention requirements. |
| 8 | Unsuitability Communication | Receive appropriate communication where an investment decision is pursued contrary to the assessed suitability or risk framework, wherever applicable. |
| 9 | Data Access | Request access to personal information maintained and seek correction of factual inaccuracies, subject to legal and regulatory limitations. |
| 10 | Freedom of Choice | Choose, continue, change, or discontinue your distributor relationship at your discretion, subject to applicable operational processes. |
Your Obligations as an Investor
| S.No | Obligation | Description |
|---|---|---|
| 1 | Accurate Information | Provide accurate, complete, and updated personal, financial, FATCA, KYC, bank, and nomination-related information for onboarding and transactions. |
| 2 | Read Documents | Read scheme-related documents including SID, SAI, KIM, addenda, and risk disclosures carefully before investing. |
| 3 | Honest Risk Assessment | Complete any risk profiling, financial suitability, or investor questionnaire honestly and based on your actual financial profile and objectives. |
| 4 | Report Changes | Inform the distributor and or the AMC, RTA, or relevant intermediary promptly of any changes in contact details, bank account, financial circumstances, or KYC-related information. |
| 5 | Understand Risks | Recognise that mutual fund investments are subject to market risks and that past performance may or may not be sustained in the future. |
| 6 | Retain Records | Maintain records of transaction acknowledgements, account statements, mandates, communications, and other important investment documents. |
| 7 | Report Discrepancies | Report unauthorised transactions, account statement discrepancies, fraud concerns, or service issues promptly to the relevant entity. |
Our Obligations to You
| S.No | Obligation | Description |
|---|---|---|
| 1 | Fair Dealing | Act fairly, honestly, and in accordance with applicable SEBI regulations, AMFI requirements, and the AMFI Code of Conduct relevant to mutual fund distributors. |
| 2 | Transparency | Provide clear, accurate, and complete information about schemes, processes, risks, service boundaries, and distribution-related disclosures. |
| 3 | Commission Disclosure | Disclose commission-related information in the manner applicable under prevailing regulations and documented disclosure practices. |
| 4 | Suitability & Risk Profiling | Carry out suitability-oriented processes and risk profiling before making recommendations, wherever applicable. |
| 5 | Prompt Facilitation | Facilitate investor transactions through authorised channels and assist investors in resolving process-related issues in a timely manner. |
| 6 | Privacy & Confidentiality | Maintain confidentiality of investor information and use it only for legitimate business, servicing, compliance, and legal purposes. |
| 7 | Grievance Resolution | Maintain a grievance redressal mechanism and provide investors with available complaint and escalation channels. |
| 8 | No Misleading Claims | Avoid misleading statements, return guarantees, misrepresentation, or any non-compliant communication regarding schemes, AMCs, or expected returns. |
Do's and Don'ts for Investors
✓ DO's
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Invest only through authorised and properly registered intermediaries and verified channels.
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Read the SID, SAI, KIM, addenda, and risk disclosures before investing in any scheme.
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Understand whether you are investing in a Regular Plan or a Direct Plan before proceeding.
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Keep login credentials, passwords, OTPs, and sensitive account access details confidential.
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Verify transaction confirmations, account statements, and CAS regularly and report discrepancies promptly.
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Use only approved banking channels and your own verified bank account for making investments.
❌ DON'Ts
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Do not invest based only on rumours, social pressure, unverified tips, or informal assurances.
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Do not rely on promises of assured, fixed, indicative, or unusually high returns.
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Do not sign blank cheques, blank forms, or incomplete investment instructions.
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Do not ignore risk factors, exit loads, TER, or scheme-related documents before investing.
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Do not use unrelated third-party bank accounts or unverifiable funding routes for mutual fund investments.
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Do not overlook transaction confirmations, account statements, or discrepancies after investing.