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Rights & Obligations of Investors

Page URL:
https://www.khushiinvest.com/rights-obligations.php

Your Rights as an Investor

As an investor dealing with Khushi Wealth Private Limited (ARN-195636), AMFI Registered Mutual Fund Distributor & SIF Distributor, you have the following rights:

  1. Receive complete, accurate, and updated information about mutual fund schemes including SID, SAI, KIM, factsheets, and performance reports.
  2. Know all commissions (trail or any other form) received by us for schemes recommended to you. This disclosure is available on our Commission Disclosure page and at the point of sale.
  3. Receive a proper risk assessment and suitability check before any scheme recommendation.
  4. Receive a written unsuitability communication if you choose to invest in a scheme that does not match your risk profile, along with your right to proceed on an execution-only basis.
  5. Have your complaints acknowledged within 2 working days and resolved within 7 working days.
  6. Escalate unresolved complaints to AMC, SEBI SCORES (https://scores.gov.in), or SMART ODR (https://smartodr.in).
  7. Choose Direct Plans through AMC websites without distributor involvement. Direct Plans have lower expense ratios.
  8. Have your personal and financial data treated with confidentiality as per our Privacy Policy and the DPDPA 2023.
  9. Receive periodic portfolio review communications and account statements.
  10. Switch distributors or go direct at any time without any penalty or restriction from our side.

Your Obligations as an Investor

  1. Provide accurate and complete information for KYC, risk profiling, and transaction processing.
  2. Read all scheme-related documents (SID, SAI, KIM) carefully before investing.
  3. Inform us promptly about any change in personal details, financial situation, or investment objectives.
  4. Review your Consolidated Account Statement (CAS) regularly and report discrepancies immediately.
  5. Understand and acknowledge that mutual fund investments are subject to market risks and past performance is not indicative of future returns.
  6. Not hold Khushi Wealth Private Limited responsible for investment losses arising from market movements.

Do's and Don'ts for Investors

DO's DON'Ts
✔ Read the SID, SAI, and KIM of any scheme before investing. ✘ Do NOT invest based on someone else's recommendation without understanding your own risk profile.
✔ Complete your KYC and risk profiling before making your first investment. ✘ Do NOT share your OTP, password, or login credentials with anyone including our staff.
✔ Invest based on your financial goals, risk appetite, and time horizon. ✘ Do NOT expect guaranteed or assured returns from mutual fund investments.
✔ Review your portfolio at least once a year with your distributor. ✘ Do NOT invest in schemes that do not match your assessed risk profile without understanding the risks.
✔ Check your Consolidated Account Statement (CAS) regularly for accuracy. ✘ Do NOT ignore unsuitability communications — they are issued for your protection.
✔ Inform us immediately if your contact details, bank account, or nominee details change. ✘ Do NOT make investment decisions based on past returns alone — past performance is not indicative of future results.
✔ Keep your login credentials for MFU, AMC portals, and mobile app secure and confidential. ✘ Do NOT delay reporting discrepancies in your account statement or transaction confirmations.
✔ Ask questions if you do not understand any product feature, risk, or fee structure. ✘ Do NOT share your personal financial data on unofficial WhatsApp groups, Telegram channels, or social media.
✔ Report any suspicious communication claiming to be from Khushi Wealth Private Limited to us immediately. ✘ Do NOT fall for fraudulent schemes promising unrealistic returns. Report such schemes to SEBI.
✔ Use the SEBI SCORES portal if you are not satisfied with our complaint resolution. ✘ Do NOT hesitate to escalate complaints if not resolved within the promised timelines.

Our Obligations to You

Khushi Wealth Private Limited is committed to: (a) Acting in your best interest at all times; (b) Not indulging in mis-selling, churning, or pushing products for commission; (c) Providing transparent commission disclosures on our website and at the point of sale; (d) Maintaining strict confidentiality of your personal and financial data; (e) Ensuring all our staff hold valid NISM Series V-A certifications and active EUIN; (f) Following the AMFI Code of Conduct in letter and spirit; (g) Cooperating fully with any regulatory inquiry by SEBI, AMFI, or AMCs; (h) Resolving your complaints within promised timelines; (i) Providing you with accurate and updated scheme information; (j) Never making false promises about returns or guaranteeing any investment outcome.