Investor Charter
Investor Charter for Mutual Fund Investors
Official SEBI & AMFI Charter Documents
SEBI Investor Charter Circular
SEBI Circular SEBI/HO/OIAE/IGRD/CIR/P/2021/583 mandating the Investor Charter for all market intermediaries.
sebi.gov.in → Charter Circular ↗SEBI Investor Education Portal
SEBI's comprehensive investor education portal featuring complete charter rights, dos & don'ts, and grievance rules.
investor.sebi.gov.in ↗AMFI MFD Investor Charter
AMFI's dedicated Investor Charter specifically tailored for mutual fund investors and distributor obligations.
amfiindia.com/investor-charter ↗AMFI Master Circular 2026
Consolidated statutory compliance framework governing distributor operations, conduct, and client protection.
amfiindia.com/circulars ↗SEBI SCORES Portal
Centralized online portal to lodge and track complaints against SEBI-registered intermediaries in real-time.
scores.sebi.gov.in ↗SMART ODR Platform
SEBI's online conciliation and arbitration platform for rapid dispute resolution in the securities market.
smartodr.in ↗Part A — Vision, Mission & Core Fiduciary Values
Our Vision
To be a trusted long-term wealth creation partner for families across Mumbai and India, empowering 10,000+ families to achieve financial freedom by 2032 through structured, goal-based investing.
Our Mission
To make investing simple, transparent, and disciplined. We help families navigate market cycles, align investments with life goals, and build sustainable wealth without speculative shortcuts.
Core Fiduciary Values
Part B — Services Provided to Investors
Mutual Fund Distribution
Facilitation of purchases, redemptions, switches, SIP, STP, and SWP across 56+ empanelled AMCs.
KYC & Onboarding
Paperless eKYC processing, KYC modifications, bank mandate registrations, and nomination updates.
Statements & Reporting
Consolidated Account Statements (CAS), capital gains tax statements, and transaction confirmations.
Investor Education
Investor Awareness Programs (IAPs), risk guides, market insights, and retirement calculators.
Risk Profiling
Structured risk profiling and goal suitability mapping before every scheme recommendation.
Grievance Support
Dedicated Grievance Redressal Officer (GRO) and transparent escalation assistance.
Part C — 10 Fundamental Rights of Investors
Right to Scheme Offer Documents
Receive the SID, SAI, and KIM of any recommended scheme free of charge before investing.
Right to Account Statements
Receive Consolidated Account Statements (CAS) on request within 5 working days.
Right to Timely Payouts
Receive redemption proceeds within T+3 working days and IDCW payouts within statutory timelines.
Right to Free KYC Updates
Update contact details, bank accounts, and address credentials across all folios without charges.
Right to Folio Nomination
Register, modify, or cancel nominations for all holdings at any time to safeguard family interests.
Right to Time-Bound Resolution
Receive grievance acknowledgment within 3 working days and final resolution within 15 working days.
Right to Unrestricted Escalation
Escalate unresolved grievances directly to AMFI IGRC, SEBI SCORES, or SMART ODR without barrier.
Right to Commission Transparency
View exact trail commissions received by FINWISDOM on your investments via your monthly CAS.
Right to Vote on Scheme Changes
Vote on fundamental attribute modifications or exit load-free if you disagree with scheme alterations.
Right to Direct Plan Information
Be informed about Direct Plans as a lower-expense, zero-commission investment alternative.
Part D — Our Commitments to Investors
- Conduct structured risk profiling before making initial scheme recommendations and review annually
- Recommend only products strictly aligned with the investor's documented risk profile and time horizon
- Proactively disclose all distributor trail commissions and potential conflicts of interest
- Strictly prohibit portfolio churning (unwarranted switching to generate transaction commissions)
- Provide SID, SAI, and KIM documents free of charge prior to any investment transaction
- Maintain complete audit logs and client interaction records for a statutory minimum of 8 years
- Acknowledge all investor complaints within 3 working days and deliver resolution within 15 working days
- Facilitate dispute escalation to AMFI, SEBI SCORES, or SMART ODR without obstruction
Part E — Dos & Don'ts for Mutual Fund Investors
- Complete KYC and keep contact/bank details updated
- Read the SID, SAI, and KIM before committing funds
- Invest based on goal horizon and risk capacity
- Verify distributor ARN credentials at amfiindia.com
- Review Consolidated Account Statements (CAS) monthly
- Ensure valid nomination is registered on all folios
- Stay invested through market volatility to harness compounding
- Do not invest based solely on short-term past returns
- Do not share passwords, OTPs, or folio logins with anyone
- Do not invest in unregistered schemes or guaranteed-return tips
- Do not sign blank application forms, cheques, or broad POAs
- Do not make investments exceeding your financial risk capacity
- Do not panic sell during market corrections
- Do not ignore scheme fundamental attribute change notices
Part F — Service Standards & Turnaround Times (TAT)
| Service / Activity | Operational Description | Statutory TAT |
|---|---|---|
| Complaint Acknowledgement | Written email acknowledgement with unique grievance ticket number | 3 Working Days |
| Complaint Resolution (Level 1) | Exhaustive written resolution from FINWISDOM Grievance Officer | 15 Working Days |
| Account Statement (CAS) | On-demand Consolidated Account Statement dispatch via RTA | T+5 Working Days |
| Redemption Proceeds | Direct electronic payout credit to investor's verified bank account | T+3 Working Days |
| IDCW / Income Payout | Direct electronic distribution credit from AMC to bank account | 30 Calendar Days |
| KYC Modification | Address, mobile, email, or nominee update processed via KRA | 30 Calendar Days |
| Transaction Confirmation | SMS / Email confirmation from AMC & RTA following order execution | T+1 Working Day |
Part G — 5-Stage Grievance Escalation Matrix
FINWISDOM GRO
devansh@finwisdom.co.in
TAT: 15 Working Days
Concerned AMC
AMC Investor Relations
TAT: 15 Working Days
AMFI IGRC
igrc@amfiindia.com
Toll-Free: 1800-270-7000
SEBI SCORES
scores.sebi.gov.in
Toll-Free: 1800-266-7575
SMART ODR
smartodr.in
Online Conciliation
Part H — Complete Compliance Infrastructure
Devansh S Mehta | Director & GRO
FINWISDOM FINANCIAL SERVICES PVT LTD (ARN-367223)
Email: devansh@finwisdom.co.in | Phone: 9920217997 | Grievance Portal ↗