WHAT IS IN IT FOR YOU?

We will work with you during your active years (accumulation stage) and help you to enjoy the entitlements of your current living standards till the sun set years.

Mutual Fund business activities

Our activities are centered around retaining existing clients, consistently increase the wallet share and cross-selling financial products relevant to the clients' portfolio. We aim to achieve all the above by the following:

Zero error is the motto of our operations & service desk when it comes to client servicing. We maintain an end of day report for all the financial & non-financial transactions, which has provisions for attendance and escalation within in-house TAT specified for the nature of the task and transaction.

Periodic portfolio review & recommendations constitute the core of our regular activity.

We undertake worksite marketing and investor awareness programmes to promote financial inclusion and need based personal finance.

Our client engagement activities include annual client meets, referral generation, change management in the clients' personal financial journey, webinars, blogs, and WhatsApp broadcasts.

We hire interns and summer trainees periodically to promote awareness for the need to plan personal finances.

Operations & Customer Service-related process

Our prospecting activity is followed by the client on-boarding. Once a prospect agrees to become a client, the operations initiate the following:

Check the status of the KYC through the CVL KRA platform.

Once the KYC status is found to be compliant with the client on-boarding (individual, NRI & non-individual) the operations initiate the client mapping exercise. In the absence of the KYC, the operations makes arrangement to initiate & complete the exercise for the client.

The client mapping exercise involves all the necessary documentation, archiving the same in and as physical documents and converting them into a digital mode by completing our online portfolio update. This exercise is based on the MF Client Data sheet which captures all necessary details that includes the proof of identity, proof of address, mode of holding, nominee details, bank details, a cancelled cheque, and a passport sized colour photograph.

Once the client's data is uploaded in our systems, the Relationship Manager initiates the investments as per plan and subject to the client's approval & concurrence recorded at our end.

We have provisions for physical & digital transactions. Once the financial transactions are completed as per the applicable value date, all the transactions are made available in the digital format (online portfolio) on our website & the app.

The operations team shares the coordinates of the portfolio (user id & password) with the client, whereby the client is advised to change the password upon the receipt of the coordinates.

This is followed by including the client's details in our communications & broadcast list.

Once the client has the access to his portfolio, the operations & service team acts upon the advice of the Relationship Manager to extend the required support to the client for all the financial & non-financial transactions. The modus operandi of client servicing, post client on-boarding is as follows:

Categorise the transactions into two different buckets as Financial & Non-financial

Financial transactions include :

Purchase

Redemption

Switches

Systematic Transfer Plan initiation & cease

Systematic Withdrawal Plan initiation & cease

Systematic Investment Plan initiation & cease

Non-financial transactions include :

KYC (online & offline) & FATCA

ARN or broker code change

Change of bank mandate

Contact details updating (online & offline)

Nominee registration or modification (online & off-line)

Folio consolidation

Transmission

NSE MF II registration (IIN & ACH mandate)

PAN or Signature updating (offline)

NSE MF II additional bank registration

NSE MF II change of default bank

Change of name in folio

PAN mismatch correction

The operations & service team acts upon the expressed advice of the Relationship Manager to initiate any one or more than one of the financial and or non-financial transactions. These transactions are executed through any one of the modes, which are either online or offline. For all the online transactions, the client receives a confirmation in his email. For offline transactions, the operation and service team confirm the same over the phone & WhatsApp which is followed by the email confirmation from the RTA and the fund house.

The clients can reach the operation & service team on dedicated phone numbers and email for any of their query and concern. These emails are forwarded to the concerned Relationship Manager for resolution with the prescribed TAT. The operation and services team acts upon the advice of the Relationship Manager to resolve all such service and operations related issues.

We have an escalation matrix for all operations and service-related issues, which is adhered to by the entire team.

Compliance & risk management

The four cornerstones for compliance and risk management are as follows:

a) Adherence to the AMFI Code of Conduct: In accordance with the core values as has been envisaged in the Code of Conduct, we strive to demonstrate the core values of being a fiduciary to exemplify the values of transparency, competency, fairness, integrity to inspire & maintain trustworthiness in the profession of distribution of Mutual Fund schemes.

Our core values are as follows:

• Client's interest first
• Open & honest communication
• Neither Greed nor Fear &
• Relationship for a lifetime

As a part of our fiduciary duty, we exercise independent professional judgement in the best interest of our client. The key to ensuring the same lies with appropriate disclosures, wherever applicable. We do not consider financial incentives to be the basis of recommending any scheme. We do not indulge in any form of pass back or rebate to attract investors.

We abstain from over transacting and churning of investments. The transactions are strictly on a need to basis and always with the approval and concurrence of our clients. We do not make any false or misleading statements, conceal, or omit material facts of the scheme or conceal the associated risk factors of the schemes.

As a measure of compliance related obligations, our entire team is NISM certified with the EUIN in place. The IPVs are carried in accordance with the guidelines prescribed by AMFI/KRA.

Maintaining client's confidentiality is of utmost priority and we maintain highest standards to adhere to the same. The exceptions being pursuant to any filings or disclosures as may be required under applicable law or order of any court or regulatory body.

We have appointed an independent Chartered Accountant firm to carry out reconciliations, audit of accounts and filing all statutory returns.

We have availed insurance cover to mitigate financial loss arising from theft, or force majeure events. The objective is to maintain uninterrupted physical & digital infrastructure to support high standards in client service.

We maintain adequate records in relation to clients, whether in physical or digital form, as applicable.

As a part of the client related obligations, we provide full disclosures and information on schemes. We highlight the risk factors and consciously desist from making misrepresentation or exaggerated statements on conceal associated risk factors of any scheme.

Our website features all material information including all commissions received. We do not provide any indicative portfolio yield or return for any scheme and abstain from indicating or assuring returns for any scheme.

To prevent submission of fraudulent, incomplete, tampered, or incorrect forms or applications, our team is regularly trained to adhere to the processes, which includes filling up of application forms (physical) by the client. Any additions, revisions to the clients' contact and information details are done only upon the receipt of such information from the investor.

Because almost all the financial & non-financial transactions are executed through the digital platform (NSE MF II) we have ensured that there is no scope of tampering, inserting, deleting, or modifying any information or field in the application. This includes the mention of the EUIN of the concerned employee for identification.

Our Zero error policy with respect to operations and services is an honest endeavour to attend and resolve grievances and complaints to extend complete assistance to the clients and the AMCs for redressal.

Every member of our team has obtained NISM certification along with their EUIN. We conduct regular training sessions on products, operations, and service orientation. This includes responsible usage of the social media platforms.

b) Documentation & maintenance of records.

c) Construction of a client's portfolio based on his/her risk appetite.

d) Keeping in touch with the client on a regular basis for information dissemination, course correction and in seeking feedback.