Mandatory Risk Disclosures

Statutory and regulatory notices under SEBI and AMFI guidelines for prospective and existing investors.

Primary Regulatory Warning

Mutual fund investments are subject to market risks. Please read all scheme-related documents (Scheme Information Document - SID, Statement of Additional Information - SAI, and Key Information Memorandum - KIM) carefully before investing.

1. Nature of Mutual Fund Investments

Mutual funds are investment vehicles that pool capital to invest in a wide array of securities, including equities, bonds, debentures, commercial papers, and gold. Mutual fund investments are neither bank deposits nor guaranteed or insured obligations of the Government of India, the Reserve Bank of India (RBI), or any Asset Management Company (AMC).

2. Specific Risk Factors

Market Volatility Risk:The NAV of equity-oriented schemes can rise or fall based on micro and macroeconomic conditions, corporate earnings, domestic policies, and global market events.
Interest Rate Risk:In debt and fixed-income mutual funds, bond prices have an inverse relationship with interest rates. When interest rates rise, bond prices fall, causing potential NAV dips.
Credit / Default Risk:Debt funds carry the risk that issuers of underlying debt securities may default on interest payments or principal repayments or experience credit rating downgrades.
Liquidity Risk:Certain small-cap equities, closed-ended schemes, or lower-rated credit papers may face difficulty in being liquidated promptly without impacting transaction prices.

3. Disclaimer on Past Performance

Past performance of mutual fund schemes, fund managers, benchmarks, or broader indices is solely historical data and is not indicative of and does not guarantee future results. Capital invested in mutual funds can fluctuate, and investors may not recover the full principal amount invested during severe market downturns.

4. Distributor Registration & Commission Disclosure

In adherence to SEBI circulars on distributor disclosures:

  • Entity: Investing Minds
  • AMFI Registration Number: ARN-293800
  • Founder & Principal: Anuj Jain, Chairman
  • Commission Model: Investing Minds earns trailing distribution commissions directly from Asset Management Companies (AMCs) on regular mutual fund schemes distributed through ARN-293800. These commissions are paid out of the Total Expense Ratio (TER) of the schemes as mandated and capped by SEBI regulations. No transaction fees are collected directly from investors.

5. Regulatory Authorities

Mutual funds in India are regulated by the Securities and Exchange Board of India (SEBI) under the SEBI (Mutual Funds) Regulations, 1996. Distributor accreditation, certification, and code of conduct are supervised by the Association of Mutual Funds in India (AMFI).