Disclaimer & Regulatory Notice
Disclaimer & Regulatory Disclosures
FINWISDOM FINANCIAL SERVICES PVT LTD (ARN-367223) is an AMFI-registered Mutual Fund Distributor (MFD). We are NOT a SEBI-registered Investment Adviser (RIA). We distribute mutual fund units and financial products on a commercial basis and earn trail commission from Asset Management Companies (AMCs). We do not charge advisory fees or provide fee-based personalized investment advice as defined under SEBI (Investment Advisers) Regulations, 2013. For fee-based personalized investment advice, please consult a SEBI RIA.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance of any scheme is not indicative of future returns. Net Asset Values (NAVs) fluctuate based on capital market conditions, interest rate variations, and issuer credit developments. There is no assurance or guarantee that scheme investment objectives will be achieved.
1. Nature of Our Business & Scope of Services
FINWISDOM FINANCIAL SERVICES PVT LTD operates strictly as a licensed multi-asset financial product distribution intermediary facilitating transactions across the following domains:
Mutual Funds Distribution
Facilitates onboarding, purchase, redemptions, switches, and SIP/STP/SWP setups under Regular plans across 40+ empanelled AMCs.
Insurance Solicitation
Facilitates life, health, and general insurance solutions as an authorized corporate intermediary.
PMS Distribution
Introduces high-conviction Portfolio Management Services to eligible HNIs (Min. ₹50 Lakhs) as an APMI-compliant distributor.
AIF Distribution
Distributes Category I, II, and III Alternative Investment Funds to eligible UHNIs and family offices (Min. ₹1 Crore).
SIF Distribution
Distributes Specialised Investment Funds under the new SEBI asset class framework (Min. ₹10 Lakhs).
Investor Education & Tools
Provides open-access financial calculators, market guides, and compliance disclosures for public education.
- We do NOT charge advisory fees or act as a SEBI Registered Investment Adviser (RIA).
- We do NOT guarantee, assure, or promise fixed or market returns on any investment.
- We do NOT provide formal tax, legal, or accounting advice — consult independent professionals.
- We do NOT distribute Direct Plans (Direct plans must be executed directly with AMCs without intermediary trail).
- We do NOT accept cash deposits or hold client investment assets in company accounts.
2. Asset-Wise Product Risk Disclosures
Mutual Funds
Subject to market fluctuations. FINWISDOM deals in Regular Plans where trail commission is received from AMCs as part of the scheme Total Expense Ratio (TER). Direct Plans are available directly via AMC portals at lower TER.
Portfolio Management (PMS)
Concentrated equity stock portfolios for HNIs (Min. ₹50 Lakhs). Involves separate management fees, performance hurdles, and single-stock volatility. Past returns do not assure future performance.
Alternative Funds (AIF)
Privately pooled unlisted equity/debt for UHNIs (Min. ₹1 Crore). Carries severe illiquidity (3–7 yr lock-in), capital loss, and valuation risk. Review the Private Placement Memorandum (PPM).
Specialised Funds (SIF)
New SEBI asset class (2024, Min. ₹10 Lakhs). Allows Long-Short and derivative leverage with limited historical track record. Review the Scheme Information Document (SID).
Insurance Products
Insurance is the subject matter of solicitation. Policy terms, exclusions, waiting periods, and underwriting criteria of the issuing insurer apply. Read policy wordings carefully.
3. Website Content & Financial Calculator Disclosures
4. Commission & Remuneration Transparency
- FINWISDOM receives trailing commission from AMCs for Regular Plan Mutual Funds, which is paid from scheme TER without any separate charge to the client.
- Scheme-wise commission trail ranges are fully disclosed on our Commission Disclosure Page ↗.
- Gross commissions earned by FINWISDOM are reported directly in your half-yearly Consolidated Account Statement (CAS) sent by CAMS/KFintech/MF Central.
- Recommendations adhere strictly to our internal Fund Selection Policy ↗ and client suitability matrix — never influenced by AMC payout variations.
- FINWISDOM accepts zero soft-dollar benefits, gifts, or non-cash perks that could induce commercial conflict of interest.
5. Grievance Redressal Officer (GRO) Contact
Primary Grievance Contact
6. 5-Stage Grievance Escalation Matrix
If any query or grievance remains unresolved within the committed SLA, investors can escalate hierarchically through official channels:
FINWISDOM GRO
Internal Redressal
devansh@finwisdom.co.in
TAT: 15 Working Days
AMC Investor Desk
Concerned Asset Management Company directly
TAT: 21 Working Days
AMFI IGRC
AMFI Grievance Cell
igrc@amfiindia.com
1800-270-7000
SEBI SCORES
Central Regulatory Portal
scores.sebi.gov.in
1800-266-7575
SMART ODR
Online Dispute Resolution
smartodr.in
Conciliation & Arbitration
7. Regulatory Registration & Corporate Identity Details
| Authority / Registry | Registration Identifier | Validity & Status | Verification Channel |
|---|---|---|---|
| AMFI ARN | ARN-367223 | Initial: 05-AUG-2026 | Valid to: 04-AUG-2029 | amfiindia.com ↗ |
| Corporate Identity (CIN) | U66190MH2026PTC472887 | Active / Ministry of Corporate Affairs | mca.gov.in ↗ |
| APMI APRN (PMS) | APRN Registered | Active Distributor Registration | apmiindia.org ↗ |
| AMFI SIF Registration | ARN-367223 (SIF) | Active / New Asset Class Eligible | amfiindia.com ↗ |
8. Data Privacy, Liability & Intellectual Property
Data Privacy (DPDPA 2023)
Client information is processed strictly per the Digital Personal Data Protection Act, 2023 and our Privacy Policy ↗. Data is never monetized or shared with unauthorized entities.
Limitation of Liability
FINWISDOM is not liable for market losses or decisions made on educational materials. All information is provided on an "as is" basis without explicit warranty.
Intellectual Property
All brand assets, software code, calculators, and design elements on this portal are proprietary intellectual property of FINWISDOM FINANCIAL SERVICES PVT LTD.
Official Portals & Verification Resources
AMFI Portal
Verify Mutual Fund Distributor registration ARN-367223 and regulatory codes of conduct.
amfiindia.com/find-mf-distributor ↗MCA Portal
Verify corporate filing details for FINWISDOM FINANCIAL SERVICES PVT LTD (CIN: U66190MH2026PTC472887).
mca.gov.in ↗SEBI SCORES
Lodge and track complaints against SEBI-regulated intermediaries if unresolved at the firm level.
scores.sebi.gov.in ↗SMART ODR
Online dispute resolution platform for conciliation and arbitration in the Indian securities market.
smartodr.in ↗