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Commission & Fee Disclosures

AMFI MASTER CIRCULAR COMPLIANT

Commission & Fee Disclosures

Mandatory Regulatory Disclosure for AMFI-Registered Mutual Fund Distributors (MFDs)
ARN-367223 Valid Until: 04-AUG-2029 100% Trail Model
Transparency & Investor Rights Commitment FINWISDOM FINANCIAL SERVICES PVT LTD (ARN-367223) is committed to complete transparency in all commission and fee disclosures. This page is prepared in accordance with AMFI Master Circular Chapter 4(c)(f) which mandates all AMFI-registered Mutual Fund Distributors to disclose their commission earnings to investors. We firmly believe every investor has the right to know how their distributor is compensated.
100% Trail-Based Model

No upfront commissions or transaction fees. We only earn a regular trailing fee as long as your money stays invested.

Zero Direct Fees to Investor

All commissions are paid directly by AMCs out of the scheme's standard Total Expense Ratio (TER).

Full CAS Visibility

The exact gross commission earned on your portfolio is itemized in your monthly Consolidated Account Statement (CAS).

Commission Rate Overview — By Fund Category

Indicative Ranges: The rates shown below are approximate indicative ranges per annum. Actual commission rates vary by AMC, specific scheme, and AUM slab. Exact AMC-wise and scheme-wise rates are available on demand — contact us anytime at devansh@finwisdom.co.in or 9920217997.
# Fund Category & Sub-Category Risk Level Typical Horizon Trail Rate Range (p.a.) Commission Type
Equity Funds
Large Cap, Mid Cap, Small Cap, Flexi Cap, ELSS (Tax Saving), Thematic, Sectoral
High Risk 5+ Years 0.30% – 1.50% Trail Only
Hybrid Funds
Aggressive Hybrid, Balanced Advantage, Conservative Hybrid, Arbitrage, Multi Asset
Mod-High Risk 3–5 Years 0.30% – 1.25% Trail Only
Debt Funds
Short Duration, Corporate Bond, Banking & PSU, Gilt, Credit Risk, Floating Rate
Low-Mod Risk 1–3 Years 0.05% – 0.75% Trail Only
Liquid & Overnight Funds
Liquid, Overnight, Ultra Short Duration, Money Market
Low Risk < 1 Year 0.05% – 0.25% Trail Only
Passive / Index Funds & ETFs
Nifty 50, Sensex, Nifty Next 50, Smart Beta, Target Maturity Funds
Market Risk 3+ Years 0.05% – 0.60% Trail Only
Solution Oriented Funds
Retirement Funds, Children's Gift/Education Funds (Lock-in applies)
Mod-High Risk 5+ Years 0.50% – 1.25% Trail Only
What This Means for You as an Investor The commission rates shown above are built directly into the Total Expense Ratio (TER) of Regular Plan schemes. They are NOT an additional or out-of-pocket charge to you. The same statutory TER applies whether you invest through FINWISDOM or another intermediary. You can verify the exact daily TER of any scheme at amfiindia.com ↗.

Commission Rate Overview — AMC-Wise (47 AMCs)

AMC-Wise Contract Rates: The table below lists all major AMFI-registered Asset Management Companies along with indicative annual trail commission ranges. Actual payouts are determined by each AMC based on scheme category, plan options, and applicable AUM tiers. Exact scheme-wise rates are available on demand — contact us at devansh@finwisdom.co.in or 9920217997.
# Asset Management Company (AMC) Equity Trail (p.a.) Hybrid Trail (p.a.) Debt Trail (p.a.) Commission Type
1 360 ONE Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
2 Aditya Birla Sun Life Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
3 Angel One Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
4 Axis Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
5 Bajaj Finserv Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
6 Bandhan Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
7 Bank of India Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
8 Baroda BNP Paribas Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
9 Canara Robeco Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
10 Capitalmind Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
11 DSP Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
12 Edelweiss Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
13 Franklin Templeton Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
14 Groww Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
15 HDFC Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
16 Helios Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
17 HSBC Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
18 ICICI Prudential Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
19 Invesco Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
20 ITI Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
21 Jio BlackRock Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
22 JM Financial Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
23 Kotak Mahindra Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
24 LIC Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
25 Mahindra Manulife Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
26 Mirae Asset Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
27 Motilal Oswal Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
28 Navi Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
29 Nippon India Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
30 NJ Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
31 Old Bridge Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
32 PGIM India Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
33 PPFAS (Parag Parikh) Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
34 quant Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
35 Quantum Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
36 Samco Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
37 SBI Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
38 Shriram Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
39 Sundaram Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
40 Tata Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
41 Taurus Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
42 Trust Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
43 Union Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
44 Unifi Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
45 UTI Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
46 WhiteOak Capital Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only
47 Zerodha Mutual Fund 0.30% – 1.50% 0.30% – 1.25% 0.05% – 0.75% Trail Only

Our Commission & Advisory Principles

Suitability-First Recommendations

All scheme recommendations are guided strictly by your risk profile, investment horizon, and financial goals — never influenced by distributor payout rates.

No Hidden Charges

There are no account setup fees, redemption penalties, transaction markups, or advisory surcharges. Full pricing transparency is guaranteed.

Strict Ban on Non-Cash Benefits

We do not accept gifts, sponsored travel, contest incentives, or volume kickbacks from any AMC that could compromise our fiduciary independence.

CAS Statement Transparency

The exact gross commission earned by FINWISDOM on your holdings is reported monthly in your Consolidated Account Statement (CAS) by CAMS and KFintech.

Direct Plan Awareness

Investors may also choose Direct Plans directly through AMC websites or MF Central at lower TER without distributor commission. We deal exclusively in Regular Plans.

Periodic Review & On-Demand Rates

Our rate disclosures are updated regularly. Investors can request the exact AMC-wise contract rate for any scheme at any time.

Practices We Strictly Prohibit

  • Recommending schemes based on distributor commission rates instead of investor suitability
  • Accepting upfront commissions, bonus commissions, or non-trail compensation structures
  • Accepting non-cash perks, luxury gifts, or sponsored trips from Asset Management Companies
  • Splitting investment transactions to earn unwarranted transaction handling charges
  • Concealing or withholding commission rate details from any investor upon inquiry

Where to Independently Verify Commission & Expenses

Monthly CAS Statement

Check the half-yearly and monthly Consolidated Account Statement issued by CAMS and KFintech, where gross distributor commission is printed line-by-line.

CAMS Online ↗
AMFI Official Portal

Search daily scheme-wise Total Expense Ratio (TER), distributor ARN credentials, and regulatory circulars on the Association of Mutual Funds in India portal.

amfiindia.com ↗
MF Central Platform

SEBI-promoted joint platform by CAMS & KFintech to view all folios, verify transaction histories, and download comprehensive portfolio statements.

mfcentral.com ↗
Scheme SID / KIM

Review the Scheme Information Document (SID) and Key Information Memorandum (KIM) of the respective AMC for statutory expense caps.

View SID/SAI/KIM ↗
Full Scheme-Wise Commission Details Available on Demand

As an investor, you have the regulatory right to know the exact commission earned by FINWISDOM FINANCIAL SERVICES PVT LTD on any specific scheme before or after investing. We will provide full AMC-wise, scheme-wise trail commission schedules within 24 business hours of your request — no questions asked.

devansh@finwisdom.co.in 9920217997 Ghatkopar West, Mumbai 400086
Regulatory Reference: This disclosure is prepared in strict accordance with AMFI Master Circular Chapter 4(c)(f) dated January 2026 and SEBI circulars governing commission transparency. Official reference: AMFI Master Circular for MFDs ↗
Last Updated: August 2026 | FINWISDOM FINANCIAL SERVICES PVT LTD | AMFI ARN-367223 | Jurisdiction: Mumbai | Reviewed Periodically per AMFI Mandate