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Legal

AMFI Disclosure

Version 1.0 · Effective 5 March 2026

⚠️ MANDATORY REGULATORY DISCLAIMER

Investor Sahayogi Partnership Firm (ARN: 355152) is registered with the Association of Mutual Funds in India (AMFI) as a mutual fund distributor. ARN-355152 is held by Investor Sahayogi Partnership Firm, which is a separate legal entity from Sahayogi One Private Limited (CIN: U62010UP2024PTC205006).

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.

1. Entity Identification

Name of AMFI-Registered Entity:
Investor Sahayogi Partnership Firm

AMFI Registration Number (ARN):
ARN-355152

Type of Entity:
Partnership Firm

SEBI Registration:
Registered as a Mutual Fund Distributor with AMFI under SEBI (Mutual Funds) Regulations, 1996.

This entity is separate from:
Sahayogi One Private Limited (CIN: U62010UP2024PTC205006)

Investor Sahayogi Partnership Firm and Sahayogi One Private Limited are two distinct legal entities. ARN-355152 belongs solely to Investor Sahayogi Partnership Firm. Sahayogi One Private Limited does not hold any AMFI ARN and does not engage in mutual fund distribution.

Registered Office of Investor Sahayogi Partnership Firm:
Unit No. 918, 9th Floor, Tower 4, Assotech Business Cresterra (ABC), Sector-135, Noida – 201304, Uttar Pradesh, India

Contact for Investor Sahayogi enquiries:
Email: info@sahayogi.in | Subject: “Investor Sahayogi — [Your Enquiry]”
Website: investorsahayogi.in

2. ARN Validity and Renewal

AMFI ARN: ARN-355152
ARN Valid Until: 4 March 2029
NISM Certification: Dhruv Singla — NISM Series V-A: Mutual Fund Distributors Certification
NISM Certification Valid Until: 25 October 2028

ARN validity and NISM certification details are updated annually. If you are verifying our registration, you can confirm our ARN status at amfiindia.com.

3. Nature of Business — Mutual Fund Distribution

Investor Sahayogi Partnership Firm acts as a distributor of mutual fund products. This means:

  • We facilitate investments in mutual fund schemes on behalf of investors
  • We are not a fund house — we do not manage any mutual fund scheme
  • We are not a SEBI-registered Investment Adviser (RIA) — we do not provide fee-based independent investment advice
  • Our compensation is in the form of commission paid by the Asset Management Companies (AMCs) whose schemes we distribute — not fees paid by investors for advisory services

This distributor model is distinct from a SEBI-registered Investment Adviser (RIA) model, where the advisor charges a fee from the investor and is not permitted to receive commissions from AMCs.

4. Commission and Conflict of Interest Disclosure

4.1 Commission Structure

As a mutual fund distributor, Investor Sahayogi Partnership Firm receives commission from Asset Management Companies (AMCs) for distributing their mutual fund schemes. This commission is included in the expense ratio of the mutual fund scheme and is borne by the scheme — not charged separately to the investor.

Commissions vary by:

  • The AMC and the specific scheme
  • The scheme category (equity, debt, hybrid, etc.)
  • Whether the investment is through regular or direct plans

Investors who invest through direct plans of mutual funds do not pay distributor commissions. Direct plans have a lower expense ratio than regular plans. Investor Sahayogi distributes regular plans, through which we receive commissions from AMCs.

4.2 Scheme-Wise Commission Disclosure

In accordance with AMFI guidelines, commission earned on transactions executed through Investor Sahayogi is disclosed to investors at the time of transaction, in the format prescribed by AMFI / SEBI. Investors may request a full disclosure of commissions received on their portfolio at any time by writing to info@sahayogi.in.

4.3 Conflict of Interest

Our commission-based compensation structure means we have a potential conflict of interest in recommending schemes — we may receive different levels of commission from different AMCs and different schemes. We disclose this conflict transparently.

We manage this conflict by:

  • Recommending schemes based on investor suitability and stated goals — not commission rates
  • Disclosing commissions as required by AMFI guidelines
  • Providing investors with information about direct plans where relevant
  • Not accepting incentives, gifts, or non-monetary benefits from AMCs that could influence our recommendations, in accordance with AMFI’s code of conduct

5. Investor Risk Disclosures

5.1 Standard Risk Warning

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

This warning applies to all mutual fund products distributed by Investor Sahayogi Partnership Firm, without exception.

5.2 Product-Specific Risks

Different categories of mutual fund schemes carry different risk profiles:

Equity Mutual Funds: Subject to equity market volatility. NAV can fall significantly in short periods. Suitable for investors with a long investment horizon (typically 5 years or more) and tolerance for capital loss.

Debt Mutual Funds: Subject to interest rate risk and credit risk. Rising interest rates may cause NAV to fall. Credit events in the underlying portfolio can cause significant NAV decline. Not risk-free.

Hybrid Funds: Combination of equity and debt risks depending on the allocation. Risk level varies by scheme type (conservative hybrid to aggressive hybrid).

Liquid and Overnight Funds: Lower risk than equity funds but not risk-free. Subject to credit risk on the underlying instruments. Not equivalent to fixed deposits.

Index Funds and ETFs: Track an index but are subject to the full market risk of the index. Subject to tracking error.

International Funds: Subject to equity market risk plus currency risk.

5.3 Past Performance

Past performance of any mutual fund scheme is not indicative of future returns. Returns shown in any Investor Sahayogi communication are historical and do not guarantee future performance.

5.4 Not a Guarantee

Neither Investor Sahayogi Partnership Firm nor any AMC whose schemes we distribute guarantees returns, capital protection, or the achievement of any investment objective, except for schemes where a specific guarantee is part of the scheme structure (as stated in the scheme information document).

6. Investor Suitability

Investor Sahayogi Partnership Firm assesses investor suitability before recommending mutual fund investments. This assessment considers:

  • The investor’s stated financial goals and investment horizon
  • Risk tolerance (assessed through a Risk Profile Questionnaire)
  • Current financial situation and existing investments
  • Liquidity needs

Our recommendations are based on this suitability assessment. Investors are encouraged to disclose complete and accurate information to enable appropriate recommendations.

Suitability assessment does not constitute investment advice under SEBI (Investment Advisers) Regulations, 2013. We are distributors, not investment advisers.

7. Know Your Customer (KYC) Compliance

All investments through Investor Sahayogi Partnership Firm require the investor to be KYC-compliant as per SEBI and KYC Registration Agency (KRA) requirements. KYC verification is mandatory for all mutual fund investors in India.

Investors who are not KYC-compliant will be guided through the KYC process before investments can be processed. KYC documents required include PAN card, address proof, and photograph, as specified by SEBI/KRA.

8. Scheme Documents

Before investing in any mutual fund scheme, investors should read:

  • Scheme Information Document (SID): Detailed information about the scheme, including investment objective, asset allocation, risks, and fees
  • Key Information Memorandum (KIM): Summary of key scheme information
  • Statement of Additional Information (SAI): Information about the AMC and fund

These documents are available on the respective AMC's website and on the AMFI website at amfiindia.com.

9. Investor Grievance Redressal

9.1 Grievance with Investor Sahayogi Partnership Firm

If you have a grievance related to services provided by Investor Sahayogi Partnership Firm (ARN-355152), contact us first:

Email: info@sahayogi.in | Subject: “Investor Sahayogi Grievance — [Brief Description]”
Response time: We acknowledge all grievances within 2 business days and aim to resolve them within 30 days.

9.2 Escalation to AMFI

If your grievance is not resolved to your satisfaction, you may escalate to AMFI:

AMFI Investor Helpline: 1800-270-7000 (Toll-free)
AMFI Website: amfiindia.com
AMFI Grievance Portal: [as available at amfiindia.com]

9.3 Escalation to SEBI

If your grievance is not resolved through the above channels, you may escalate to SEBI:

SEBI SCORES Portal: scores.gov.in (SEBI Complaints Redress System)
SEBI Helpline: 1800 266 7575 / 1800 22 7575 (Toll-free)
SEBI Website: sebi.gov.in

9.4 Grievance with the AMC

For grievances related to a specific mutual fund scheme (NAV errors, transaction disputes, dividend issues), contact the respective Asset Management Company directly. AMC contact details are available on the AMC's website and on amfiindia.com.

10. AMFI Code of Conduct

Investor Sahayogi Partnership Firm is bound by AMFI's Code of Conduct for mutual fund distributors, which requires us to:

  • Act with integrity and in the best interest of investors
  • Maintain the required level of knowledge and competence
  • Disclose all material information to investors, including conflicts of interest
  • Not make exaggerated claims about mutual fund performance or returns
  • Not recommend unsuitable products
  • Maintain investor confidentiality
  • Comply with all SEBI and AMFI regulations

11. Regulatory Information

Regulatory authority for mutual funds in India:
Securities and Exchange Board of India (SEBI)
SEBI Bhavan, Plot No. C4-A, G Block, Bandra Kurla Complex, Mumbai – 400 051
Website: sebi.gov.in

AMFI (Association of Mutual Funds in India):
One Indiabulls Centre, Tower 2, Wing B, 701, 7th Floor, 841 Senapati Bapat Marg, Lower Parel, Mumbai – 400 013
Website: amfiindia.com

12. Disclaimer — Content on sahayogi.in

Any content on sahayogi.in referencing Investor Sahayogi, mutual funds, SIP, investment planning, or financial returns is provided for general informational purposes only. It does not constitute:

  • A solicitation or offer to buy or sell any securities
  • Investment advice or portfolio management services
  • A guarantee of any specific return or outcome

All mutual fund investment decisions should be made after reading the relevant scheme documents and, where appropriate, consulting a SEBI-registered Investment Adviser.

Mandatory Disclaimer — Display on All Investor Sahayogi Content

Investor Sahayogi is a brand of Investor Sahayogi Partnership Firm (AMFI ARN: 355152), a SEBI-registered mutual fund distributor. Investor Sahayogi Partnership Firm is a separate legal entity from Sahayogi One Private Limited (CIN: U62010UP2024PTC205006). Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. The information provided is for general informational purposes only and does not constitute financial advice or an investment recommendation.

Sahayogi One Private Limited | CIN: U62010UP2024PTC205006 · AMFI Disclosure Version 1.0

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AMFI Disclosure — Investor Sahayogi Partnership Firm | ARN-355152 · Sahayogi