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DISCLAIMER
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Please read the Scheme Information Document (SID), Key Information Memorandum (KIM), and addendums (if any) issued from time to time carefully before investing. Past performance is not indicative of future performance. Investors should consider their investment objectives, risk profile, and financial situation before investing.
In accordance with the SEBI (Investment Advisers) Regulations, 2013, and subsequent circulars on the segregation of advisory and distribution services:
Role: We act strictly as a Mutual Fund Distributor (MFD). Our role is limited to the sale and distribution of mutual fund products. Any information provided on this platform is incidental to our distribution activities and should not be construed as investment advice.
No Investment Advice: The information provided on this website is for informational purposes only and does not constitute "Investment Advice" as defined by SEBI. Any "incidental advice" provided is limited to the suitability of specific mutual fund products based on your risk profile.
Execution Only: Investors are advised to consult a SEBI Registered Investment Adviser (RIA) for holistic financial planning or specialized investment advice.
Commission Disclosure: In accordance with the SEBI circular SEBI/IMD/CIR No. 4/168230/09, we disclose that we receive commissions from AMCs for the distribution of mutual funds. Detailed commission structures for the schemes we distribute are available to our clients upon request.
Conflict of Interest: Our recommendations are based on product suitability and internal due diligence, not on the commission rates offered by AMCs.
Past Performance: Any data regarding the past performance of schemes is provided for illustrative purposes only. Past performance is not indicative of future results.
No Guaranteed Returns: Neither [Your Name/Company] nor the Mutual Fund Houses guarantee any returns or the safety of the principal amount invested.
Risk Awareness: We advocate for responsible investing. We remind all our clients that mutual fund investments are subject to market risks. We encourage you to read all scheme-related documents (SID/KIM/SAI) thoroughly before making any commitment.
Data Reliability: While we strive to ensure the information on this website is accurate and sourced from reliable providers (such as AMCs or AMFI), we do not guarantee its completeness or accuracy.
Third-Party Links: This website may contain links to external AMC websites or tools; we are not responsible for the content or privacy policies of those sites.
Liability: Shobhaarth shall not be held liable for any financial losses or damages arising from investments made based on the information provided herein.
Trail-Only Model: As per SEBI regulations, we do not receive any upfront commissions. All commissions are paid in the form of "Trail Commission" based on the daily average net assets of your investment.
Inclusivity of Taxes: The commission rates mentioned above are gross and inclusive of Goods and Services Tax (GST), which is currently 18%.
New Investor Incentive (Effective Feb 2026): For first-time investors (as defined by SEBI), a one-time transaction incentive of 1% (capped at ₹2,000) may be payable for investments held for a minimum of one year, subject to individual AMC policies.
B-30 City Incentives: If you are an investor from a "Beyond-30" (B-30) city, additional trail commission may be applicable for the first year of investment as per the SEBI incentive framework for smaller cities.
Direct Plans: No commission is paid to us if you invest in Direct Plans of any mutual fund scheme. Our services are only applicable to Regular Plans.
Conflicts of Interest: Our recommendations are based purely on the suitability of the product to your risk profile and financial goals. The commission structure does not influence the schemes recommended to you.
KYC Notice: Investment in mutual funds is subject to successful completion of KYC (Know Your Customer) formalities.
Nomination: You are kindly requested to update your Nomination details, as per the 2026 SEBI mandate.
Product Suitability Matrix: The Product Suitability Matrix is designed to help you understand which categories of mutual funds generally align with your risk appetite and investment horizon.
Key Principles of Suitability:
Risk-o-meter Alignment: We ensure that the schemes suggested do not exceed your documented risk tolerance.
Horizon Matching: We match the Macaulay Duration of debt funds with your expected liquidity needs to minimize interest rate risk.
Diversification: No single scheme or AMC should represent a disproportionate share of your total portfolio.
Disclaimer: This table is for illustrative purposes only. Actual risk levels are determined by the Scheme Risk-o-meter, which is updated monthly by the respective AMC based on the underlying portfolio.
PRIVACY POLICY
Last Updated: 30.01.2026
At Shobhaarth, we value the trust you place in us. This Privacy Policy explains how we collect, use, and protect the personal data of our existing and prospective clients in accordance with the Digital Personal Data Protection Act, 2023 and SEBI/AMFI guidelines.
Information We Collect
To facilitate your mutual fund investments and comply with regulatory requirements (KYC), we may collect:
Identity Data: Name, Date of Birth, Gender, and Photograph.
Government Identifiers: PAN (Permanent Account Number) and Aadhaar (for KYC purposes).
Contact Data: Email address, mobile number, and residential address.
Financial Data: Bank account details (Account number, IFSC, MICR) for investment/redemption purposes.
Transaction Data: Details about your investment history, SIPs, and portfolio valuation.
How We Use Your Data
We process your personal data under the "Lawful Basis" of providing services and meeting legal obligations. Purposes include:
KYC Compliance: Verifying your identity with KRAs (KYC Registration Agencies).
Transaction Execution: Facilitating your investment applications with Asset Management Companies (AMCs).
Reporting: Providing you with consolidated portfolio statements and performance updates.
Customer Support: Responding to your queries or assisting with non-financial requests (nomination changes, bank updates).
Regulatory Filings: Meeting our audit and disclosure obligations to SEBI/AMFI.
Data Sharing & Disclosure
We do not sell your personal data. However, as an intermediary, your data is shared with the following entities to ensure smooth transaction processing:
Asset Management Companies (AMCs): To process your fund subscriptions and redemptions.
Registrars and Transfer Agents (RTAs): Such as CAMS or KFintech, for record-keeping and statement generation.
Regulatory Bodies: When required by law or order from SEBI, Income Tax Department, or other judicial authorities.
Service Providers: Technology partners (like NSE NMF II or BSE StAR MF) used for digital transaction execution.
Data Security
We implement robust technical and organizational measures—including encryption and access controls—to protect your data from unauthorized access or breaches. We retain your data only for as long as required by SEBI’s record-keeping regulations (currently 8 years after the end of the relationship).
Your Rights (The Data Principal)
Under the DPDP Act, you have the following rights:
Right to Access: You can request a summary of the personal data we hold about you.
Right to Correction: You can request the update of any inaccurate or incomplete information.
Right to Withdrawal: You may withdraw your consent for data processing, though this may limit our ability to provide distribution services to you.
Contact Our Grievance Officer
If you have any questions or concerns regarding your data privacy, please reach out to:
Email: connect@shobhaarth.com
Phone: +91 -91488 70472
TERMS & CONDITIONS
Scope of Services
Shobhaarth is an AMFI-registered Mutual Fund Distributor (ARN-348387). The services provided through this website are limited to the distribution of mutual fund products and the facilitation of transactions. We do not provide investment advice, tax advice, or financial planning as defined under SEBI (Investment Advisers) Regulations, 2013.
Use of Online Calculators and Tools
The website may provide access to financial calculators (e.g., SIP, Lumpsum, or Goal planners).
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Illustrative Nature: These tools are for illustrative and educational purposes only.
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No Guarantee: The results generated are based on user inputs and assumed rates of return. They do not represent a guarantee of future performance or actual returns.
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Decision Making: Users should not make investment decisions solely based on these results.
Accuracy of Information
While we strive to provide updated Net Asset Value (NAV) data and scheme information, such data is often sourced from third-party providers (RTAs/AMCs). We do not warrant the absolute accuracy or timeliness of this information and shall not be held liable for any discrepancies.
External Links
Our website may contain links to AMC portals, BSE StAR MF, NSE NMF II, or KRA websites. We are not responsible for the content, privacy policies, or security of these external sites.
Limitation of Liability
Shobhaarth and its employees shall not be liable for any direct, indirect, or consequential loss arising from:
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Market fluctuations affecting your investments.
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Technical failures or "downtime" of the website/transaction portals.
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Decisions made by the user based on the information provided on this site.
Intellectual Property
The content, logos, and design of this website are the property of Shobhaarth. Unauthorized use or reproduction is strictly prohibited.
INVESTOR GRIEVANCE
We value your trust and are committed to resolving any concerns you may have regarding our services. In accordance with the latest SEBI and AMFI guidelines, we follow a structured three-tier grievance redressal process:
Level 1: Internal Redressal (First Contact)
If you have any complaints or queries regarding your investments or our services, please reach out to:
Email: connect@shobhaarth.com
Phone: +91-91488 70472
Turnaround Time (TAT): We aim to respond within 2 working days and resolve all issues within 7 working days.
Level 2: Escalation to AMC or AMFI
If your grievance is not resolved to your satisfaction within 10 days, or if it pertains to a specific Mutual Fund House (AMC), you may escalate the matter to:
The Respective AMC: Most AMCs have a "Grievance Redressal" section on their official website.
AMFI: You can write to the Association of Mutual Funds in India at [Insert AMFI Contact Info] or visit www.amfiindia.com.
Level 3: Regulatory Escalation (SCORES & SMART ODR)
If the complaint remains unresolved after 21 days, you may approach the regulator directly:
SEBI SCORES 2.0: Register your complaint on the SEBI Complaints Redress System (SCORES) at https://scores.sebi.gov.in.
SMART ODR Portal: For faster dispute resolution through online conciliation and arbitration, you can utilize the Securities Market Approach for Resolution Through ODR (SMART ODR) portal at https://smartodr.in.