Rights & Obligations Of Investors

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.
• Resolve grievances within 15 working days and maintain the complaints register.
• Maintain investor records as per regulatory requirements.
• Comply with all SEBI and AMFI guidelines including the Master Circular for MFDs.