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. Scheme Information and Risk Disclosure
A. Scheme Information
Before investing in any Mutual Fund scheme please read the scheme related documents: the Scheme Information Document (SID), the Statement of Additional Information (SAI) and the Key Information Memorandum (KIM). These documents describe the scheme's objective, where it invests, its risks, its Riskometer and its expenses.
Scheme Offer Documents (SID / SAI / KIM): Click Here ↗.
The documents are also available on the website of the respective Asset Management Company (AMC) and on the AMFI website (https://www.amfiindia.com/ ↗). We also send the SID/KIM link and the latest factsheet to the customer with every recommendation.
When an AMC changes a fundamental attribute of a scheme, the AMC's addendum is forwarded to the affected customers. Scheme performance may be checked on the AMFI website (https://www.amfiindia.com/net-asset-value ↗) and on the website of the respective AMC. We share the investment status report with our customers and inform them of regulatory and operational changes that affect them.
B. Risk Disclosure
Investments in Mutual Fund schemes carry risk. Please understand the following before you invest:
- Market risk, including loss of capital: The value of a scheme moves with the market. It can fall because of market volatility, force majeure events, or changes in the political and economic environment. Returns are not fixed, and you can lose a part of the money you invested.
- Issuer default risk: A company or body whose securities the scheme holds may default on its payments, or may become bankrupt or insolvent. In such a situation the AMC may segregate the affected portion of the portfolio (create a segregated portfolio), and the money in that portion is paid only as and when it is recovered.
- Suspension of redemption: If a scheme faces a liquidity crisis, the AMC may suspend the redemption facility for the period permitted by the rules. During such a period you may not be able to take your money out.
- New Fund Offer (NFO) risks: A new scheme has no track record. Investments in an NFO carry price volatility risk, liquidity risk and, for schemes listed on an exchange, delisting risk.
- Winding up of a scheme: A scheme can be wound up if its instruments turn illiquid, if redemption requests are very high, or on account of unforeseen market events. On winding up, the money is returned as the scheme's assets are sold, which can take time and may be at reduced values.
- Past performance is not indicative of future returns: The Net Asset Value (NAV) of a scheme moves up and down with the market. No return is assured, guaranteed or indicated by us or by any Mutual Fund, and no illustration shown by us assumes a return above 12% per annum.
- Match the Riskometer with your risk profile: Every scheme carries a Riskometer showing its risk level. Check it against your own risk profile before investing. We explain these risks to every customer at the first investment and again at every additional investment.
• Mutual Fund investments are subject to market risks. Read all scheme related documents carefully.
• Investments in securities market are subject to market risks. Read all the related documents carefully before investing.
4. Website Content & Financial Calculator Disclosures
5. 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.
6. Grievance Redressal Officer (GRO) Contact
Primary Grievance Contact
7. 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
8. 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 ↗ |
9. 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 ↗