CLIENT ONBOARDING & KYC POLICY
We onboard investors only after completing Know Your Customer (KYC) verification as per SEBI, AMFI
and Prevention of Money Laundering Act, 2002 requirements. Our onboarding follows these steps:
Rules We Never Break
• No transaction is executed for a client whose KYC is incomplete, failed or on hold.
• No cash is accepted; payments come only from the investor's own bank account.
• PAN, FATCA self-certification and UBO details are on record before the first transaction.
• OTPs, passwords and login credentials are never asked for and must never be shared with our staff.
• Client records are kept confidential and are produced only to authorised regulators.
RISK PROFILING AND SUITABILITY POLICY
Every investor completes our risk profiling questionnaire before any scheme is presented to them. The questionnaire covers age, income stability, investment horizon, existing investments, liquidity needs, knowledge of markets and reaction to market falls. Responses are scored and the total score places the investor in one of five risk categories:
Suitability Check
Scheme presentations are limited to categories whose Riskometer level matches the investor's risk category as per our Suitability Matrix. Before every scheme is presented, we confirm that the scheme's risk level, investment horizon and liquidity match the investor's profile, and the basis of the scheme presented is recorded.
Unsuitable Transactions
If an investor chooses a product outside their assessed risk category, we issue a written unsuitability communication and proceed only after receiving the investor's written acknowledgement that the transaction is at their own instance.
Review and Reassessment
Risk profiles are reviewed at least once every year, and earlier upon a material change in the investor's circumstances. A change in risk category is communicated to the investor and reflected in schemes subsequently presented.