Risk Profiling, Suitability & Unsuitability Policy

Before your first transaction you complete a risk profile covering age, investment experience, behaviour in past market falls, acceptable decline in value, income stability, emergency funds, return expectations, investment duration and market understanding. Your answers are scored, the result is explained to you, and the completed profile is signed by you and preserved on our file.

For this purpose, equity includes equity mutual funds, shares and stocks. Debt includes debt mutual funds, fixed deposits, Public Provident Fund, gold, bonds, Post Office Monthly Income Scheme, National Savings Scheme and real estate.

These allocations are indicative starting points for discussion, not fixed formulas and not an assurance of any allocation, return or outcome. Each profile maps to scheme categories and riskometer levels appropriate to it.

If a requested transaction diverges from your assessed profile, it is carried out on your own instruction and documented through a written declaration — agreeing with the assessed profile, selecting an alternative profile with full acknowledgment, or recording non-disclosure of complete financial information. For unsuitable requests, we notify you in writing of the misalignment and the associated risks before execution.

All questionnaires, assessments, declarations and unsuitability communications are retained on file and available on request. Risk profiling is carried out only to help identify the product categories that suit your stated circumstances; the final investment decision rests with you. Investments remain subject to market risks and past performance does not indicate future results.