Your rights as an investor, your obligations, and our commitments to you under the investor charter and applicable mutual fund distribution framework.
| S.No | Right | Description |
|---|---|---|
| 1 | Complete Information | Receive complete, accurate, and up-to-date information about mutual fund schemes including SID, SAI, KIM, addenda, factsheets, and portfolio disclosures before investing. |
| 2 | Commission Transparency | Receive disclosure of commissions received or receivable by the distributor in relation to competing schemes being recommended. |
| 3 | Account Statements | Receive transaction confirmations, account statements, and Consolidated Account Statements (CAS) through the applicable channels and intermediaries. |
| 4 | Grievance Redressal | Lodge complaints and seek timely redressal through the distributor grievance mechanism, AMC / RTA channels, SEBI SCORES, and SMART ODR, where applicable. |
| 5 | Plan Choice | Choose between Regular Plan and Direct Plan, and invest directly through AMC channels if preferred. |
| 6 | Risk Profiling | Receive risk profiling and suitability-based recommendations before investment recommendations are made. |
| 7 | Data Privacy | Expect confidentiality and reasonable protection of personal and financial information, subject to applicable law and record-retention requirements. |
| 8 | Unsuitability Declaration | Receive a written unsuitability declaration where an investment is pursued contrary to the assessed risk profile or recommendation framework. |
| 9 | Data Access | Request access to personal information maintained by us and seek correction of inaccuracies, subject to applicable legal and regulatory limitations. |
| 10 | Distributor Choice | Choose, continue, change, or discontinue your distributor relationship at your discretion, subject to applicable process requirements. |
| S.No | Obligation | Description |
|---|---|---|
| 1 | Accurate Information | Provide accurate, complete, and updated personal, financial, FATCA, nomination, bank, and KYC-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 or suitability questionnaire honestly, based on your true financial position, objectives, and risk tolerance. |
| 4 | Report Changes | Inform the distributor, AMC, RTA, or relevant intermediary promptly of any change in personal details, bank details, contact information, or financial circumstances. |
| 5 | Understand Risks | Recognise that mutual fund investments are subject to market risks and that past performance is not indicative of future returns. |
| 6 | Retain Records | Maintain records of transaction acknowledgements, statements, communications, mandates, and other important investment documents. |
| 7 | Report Issues | Report unauthorised transactions, statement discrepancies, fraud concerns, or service issues promptly to the relevant entity. |
| S.No | Obligation | Description |
|---|---|---|
| 1 | Best Interest & Fair Dealing | Act fairly, honestly, and in accordance with applicable SEBI regulations, AMFI requirements, and the AMFI Code of Conduct. |
| 2 | Transparency | Provide transparent, accurate, and complete information about available schemes, processes, risks, and service limitations. |
| 3 | Commission Disclosure | Disclose commission-related information in the manner applicable under the prevailing regulatory framework and our documented disclosure practices. |
| 4 | Risk Profiling | Carry out suitability and risk profiling processes before making product recommendations, wherever applicable. |
| 5 | Prompt Processing | Facilitate investor transactions through authorised channels and support investors in resolving process-related issues in a timely manner. |
| 6 | Data Privacy | Maintain confidentiality of investor information and use it only for legitimate business, servicing, compliance, and legal purposes. |
| 7 | Grievance Resolution | Maintain a grievance redressal process and provide investors with available complaint and escalation channels. |
| 8 | No Misleading Claims | Avoid misleading statements, non-compliant promotions, return guarantees, or misrepresentation of any scheme, AMC, or service. |
Invest through authorised and properly registered intermediaries and verified channels only
Keep login credentials, passwords, OTPs, and sensitive account access details confidential
Make payments only through approved banking channels and in favour of the mutual fund / scheme as applicable
Verify your account statements and CAS regularly and raise discrepancies immediately
Understand whether you are choosing a Direct Plan or Regular Plan before investing
Read the SID, SAI, KIM, addenda, and risk disclosures of every scheme before investing
Do not invest based only on rumour, social pressure, unverified claims, or informal assurances
Do not rely on promises of assured, indicative, fixed, or unusually high returns
Do not sign blank cheques, blank forms, or incomplete transaction instructions
Do not use unrelated third-party bank accounts or unverifiable funding routes for investments
Do not ignore risk factors, suitability concerns, or scheme documents before investing
Do not overlook account statements or transaction confirmations after making investments
