Investor Rights & Obligations

PART A  |  YOUR RIGHTS AS AN INVESTOR

Right 1 — Right to Information

You have the right to receive complete, accurate, and timely information about:

• All scheme-related documents — SID, SAI, and KIM — before making any investment
• The risk profile of every Mutual Fund scheme including the SEBI Riskometer rating
• Total Expense Ratio (TER) for both Direct and Regular Plans of every scheme
• Exit load structure, lock-in periods, and redemption conditions for every scheme
• Past performance of the scheme — though past performance does not guarantee future returns
• All fees, commissions, and charges — whether paid by you directly or by the AMC on your behalf
• Any material changes to the scheme, fund manager, or AMC that may affect your investment

Right 2 — Right to Know Commission & Charges

You have the right to know every rupee earned by your Mutual Fund Distributor:

• Chintamani Investment receives trailing commission from AMCs on your Regular Plan investments as part of the Total Expense Ratio (TER) — this is not an additional charge to you
• You can see the exact commission earned by Chintamani Investment in your Consolidated Account Statement (CAS) from CAMS / KFintech / MF Central
• You can compare expense ratios between Direct Plans and Regular Plans at amfiindia.com at any time
• Chintamani Investment will disclose commission details at the time of investment upon your request — no questions asked
• Chintamani Investment does NOT charge any additional fees, transaction charges, or advisory fees directly from you
• You always have the right to invest in Direct Plans directly through AMC portals at lower expense ratios

Right 3 — Right to Choose & Switch

• You have the full right to choose any scheme, AMC, or investment platform without any pressure from Chintamani Investment
• You can switch your investments to another distributor at any time without any penalty from Chintamani Investment
• You can redeem your investments partially or fully at any time subject to the scheme's exit load and lock-in conditions
• You can request a change of distributor (ARN transfer) by submitting a written request to the concerned AMC

Right 4 — Right to Fair Treatment & No Mis-Selling

• You have the right to be protected from mis-selling, misrepresentation, and inappropriate product recommendations
• No investment recommendation will be made without first understanding your financial goals, risk appetite, and investment horizon
• Chintamani Investment will never recommend a product based on commission rates received from AMCs
• If any investment is outside your assessed risk profile, you will be informed in writing before the transaction
• You will never be pressured, rushed, or intimidated into making any investment decision
• Insurance is the subject matter of solicitation. Chintamani Investment is an IRDAI-licensed intermediary (Licence No.: AIGI0501210024)

Right 5 — Right to Grievance Redressal

You have the right to a fair, prompt, and effective grievance redressal at multiple levels:

Level	Escalate To	Contact	Timeline
Level 1	Chintamani Investment GRO	Nirav Modi | info@chintamaniinvest.in | 9898010887	15 working days
Level 2	Concerned AMC	Contact AMC Investor Relations directly	15 working days
Level 3	AMFI Helpline	igrc@amfiindia.com | 1800-270-7000 (Toll Free)	30 days
Level 4	SEBI SCORES	scores.sebi.gov.in | 1800-266-7575	Per SEBI timeline
Level 5	SMART ODR	smartodr.in — Conciliation & Arbitration	Per ODR framework

Right 6 — Right to Account Statements & Records

• You will receive a transaction confirmation from the AMC within 2 working days of every transaction
• You are entitled to receive a Consolidated Account Statement (CAS) every month if you have had a transaction, and half-yearly if your portfolio is active
• Your CAS is available anytime at mfcentral.com, camsonline.com, and mfs.kfintech.com
• You can request duplicate statements, account details, or transaction history from the AMC at any time — free of charge

Right 7 — Right to Data Privacy & Protection

• All personal data collected by Chintamani Investment is protected under the Digital Personal Data Protection Act 2023 (DPDPA 2023)
• Your data will never be sold, shared, or rented to any third party for marketing purposes
• You have the right to access, correct, and request deletion of your personal data held by Chintamani Investment
• All transaction and investment data is retained for a minimum of 8 years as required by SEBI and PMLA 2002
• Contact our Data Protection Officer at info@chintamaniinvest.in for any data privacy concerns

Right 8 — Right to Nomination

• You have the right to nominate a family member or person of your choice for all your Mutual Fund folios
• You can add, change, or delete a nominee at any time by submitting a nomination form to the AMC
• In the event of the investor's demise, the nominee can claim investments through the AMC up to Rs. 15 Lakhs without legal proceedings

Right 9 — Right to Unclaimed Investments

• You can trace lost or inactive investments using the MITRA portal at mitra.amfiindia.com
• Unclaimed redemption amounts and dividends can be reclaimed from the AMC at any time — there is no time limit

Right 10 — Right to Investor Education

• You have the right to access free investor education from AMFI at amfiindia.com and mutualfundssahihai.com
• You can access NAV, fund performance, and expense ratios for all schemes free of charge at amfiindia.com
• You can verify the ARN and registration of any Mutual Fund Distributor at amfiindia.com

PART B  |  YOUR OBLIGATIONS AS AN INVESTOR

Obligation 1 — Provide Accurate Information

• Provide complete, accurate, and up-to-date personal and financial information at all times
• Immediately inform Chintamani Investment and the AMC / KRA of any change in name, address, mobile number, email, or bank details
• Ensure your KYC is always current — outdated KYC can result in transactions being rejected
• Never provide false or misleading information — this constitutes a regulatory violation

Obligation 2 — Complete KYC Before Investing

• KYC is mandatory for all investors before making any Mutual Fund investment
• Ensure your KYC is registered with a SEBI-registered KRA (CAMS KRA, CVL KRA, CKYC India, or NDML KRA)
• NRI investors must complete FATCA/CRS declarations and provide required documentation

Obligation 3 — Read All Scheme Documents

• Read the Key Information Memorandum (KIM) before investing in any new scheme
• Understand the SEBI Riskometer for every scheme — do not invest in a risk category that does not match your profile
• Review the exit load structure — especially for ELSS (3-year lock-in) and close-ended schemes
• Do not invest based solely on past performance — past performance does not guarantee future returns

Obligation 4 — Maintain Confidentiality

• Never share your folio number, transaction PIN, OTP, or login credentials with anyone — including Chintamani Investment staff
• Chintamani Investment will never ask for your password, PIN, or OTP — report immediately if anyone does
• Be vigilant of phishing emails, fake portals, and fraudulent calls claiming to be from AMCs or SEBI
• Never sign blank application forms, pre-signed authority letters, or blank transaction slips

Obligation 5 — Maintain Realistic Expectations

• Understand that Mutual Fund investments are subject to market risks — there are no guaranteed returns
• Never invest borrowed money in equity Mutual Funds
• Maintain a long-term perspective — avoid panic redemptions during market corrections
• Review your portfolio periodically with Chintamani Investment and rebalance based on your changing goals

Obligation 6 — Comply with Tax Obligations

• Report all Mutual Fund gains accurately in your Income Tax Return (ITR)
• ELSS investments qualify for deduction under Section 80C up to Rs. 1.5 Lakhs per annum
• Tax laws are subject to change — consult a qualified tax advisor for specific tax advice

PART C  |  DO'S AND DON'TS

PART D  |  IMPORTANT CONTACTS & PORTALS

PART E  |  SEBI INVESTOR CHARTER — FORMAL DECLARATION