Disclaimer

Statutory Risk Disclosure

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS. PLEASE READ ALL SCHEME RELATED DOCUMENTS CAREFULLY BEFORE INVESTING.

Past performance may or may not be sustained in future and should not be construed as an indicator or guarantee of future performance.

The value of investments and income arising therefrom may go up or down depending upon market conditions and other factors. Investors may lose part or all of their invested capital.

Nature of Services

We act solely as a Mutual Fund Distributor and facilitates investment transactions in Mutual Fund schemes offered by various Asset Management Companies (AMCs).

Unless specifically agreed in writing under a separate arrangement permitted by applicable regulations, We does not undertake fiduciary responsibility, portfolio management, investment management, discretionary management, or guaranteed return services.

Regular Plan Disclosure

We distribute Mutual Fund schemes under the Regular Plan category only.

Investors should note that commissions, including trail commissions and other permissible compensation, are paid by the respective Asset Management Companies (AMCs) in accordance with applicable SEBI regulations and AMFI guidelines.

Commission disclosures shall be provided in the manner prescribed by SEBI, AMFI and other applicable regulatory authorities.

No Assurance or Guarantee

No representation, warranty, assurance or guarantee is made regarding:

• Returns on investments
• Achievement of investment objectives
• Preservation of capital
• Future performance of any scheme
• Income Distribution cum Capital Withdrawal (IDCW) payouts

Any illustrations, projections, examples, market outlooks or performance data are for informational purposes only and should not be construed as guarantees of future results.

IDCW (Formerly Dividend Option)

Investors opting for the Income Distribution cum Capital Withdrawal (IDCW) option should note that IDCW distributions are neither assured nor guaranteed.

Distribution shall be subject to availability of distributable surplus and the decision of the Trustee and AMC in accordance with applicable regulations.

Investor Suitability

Investors are solely responsible for assessing the suitability, appropriateness and risks associated with any investment decision.

Before investing, investors should carefully consider:

• Investment objectives
• Risk appetite
• Financial circumstances
• Liquidity requirements
• Tax implications
• Investment horizon

Where necessary, investors should seek independent legal, tax, accounting or financial advice.

Applicable NAV

Applicable NAV for purchase, switch and redemption transactions shall be determined strictly in accordance with SEBI regulations, AMFI guidelines and the provisions contained in the relevant Scheme Information Document (SID), Statement of Additional Information (SAI) and Key Information Memorandum (KIM).

Account and KYC Information

Investors are required to promptly notify and provide supporting documents for any change in:

• Name
• Address
• Mobile Number
• Email Address
• Bank Account Details
• PAN
• FATCA / CRS Information
• Nomination Details
• Any other KYC-related information

Processing of such requests shall be subject to applicable regulatory requirements and acceptance by the concerned AMC, Registrar and Transfer Agent (RTA) or KYC Registration Agency (KRA).

Statements and Reports

Account statements, transaction confirmations, consolidated account statements and other communications are generally issued directly by the AMC, RTA, Depository Participant or other authorized entities.

Investors are advised to verify all transaction details immediately upon receipt and report discrepancies, if any, without delay.

Valuation Reports

Portfolio valuations, reports and statements are based upon information available as of the stated valuation date.

Subsequent market movements may materially affect portfolio values.

Taxation

Tax treatment of investments shall be governed by prevailing tax laws and may change from time to time.

Tax consequences depend upon several factors including:

• Nature of scheme
• Holding period
• Residential status
• Applicable tax laws

Non-resident investors may be subject to Tax Deduction at Source (TDS) and other applicable provisions.

Investors should consult their tax advisors before making investment decisions.

Exit Loads, Lock-In Periods and Other Charges

Exit loads, lock-in periods, Total Expense Ratio (TER), taxes and other charges shall be governed by the respective Scheme Information Documents and applicable regulations.

Investors are advised to review all applicable costs and restrictions prior to investing.

Limitation of Liability

Information contained in reports, presentations, emails, newsletters, market commentaries, investment communications and other materials is believed to be reliable; however, no representation or warranty, express or implied, is made regarding its accuracy, completeness or adequacy.

We are shall not be liable for any direct, indirect, incidental, consequential or special loss or damage arising from reliance upon such information or from investment decisions made by investors.

Regulatory Status

AMFI Registration, ARN registration, empanelment with AMCs or any regulatory registration does not imply approval of any scheme, assurance of returns, recommendation of any investment or guarantee of service quality.

Modifications

We are reserve the right to amend, update, modify or discontinue any report format, communication, disclosure, service process or operational procedure without prior notice, subject to applicable laws and regulations.

Investor Acknowledgement

By proceeding with any investment transaction, the investor acknowledges having understood the risks associated with the investment and confirms that the investment decision has been made after considering the relevant scheme documents and applicable disclosures.