Regulatory & Compliance

01

Investor Charter

Vision and Mission Statements for Investors

Vision:

Invest with knowledge & safety.

Mission:

Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

Details of Business Transacted by the Investment Adviser

To enter into an agreement with the client providing all details including fee details, aspects of Conflict of interest disclosure and maintaining confidentiality of information.
To do a proper and unbiased risk profiling and suitability assessment of the client.
To conduct audit annually.
To disclose the status of complaints on its website.
To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI Office details on its website.
To employ only qualified and certified employees.
To deal with clients only from official number.
To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Investment Advisers.

Expectations from the Investors

Do's

Always deal with SEBI registered Investment Advisers.
Ensure that the Investment Adviser has a valid registration certificate.
Check for SEBI registration number.
Pay advisory fees through banking channels only and maintain receipts.
Ask all relevant questions and clear your doubts before acting on advice.

Don'ts

Do not provide funds for investment to the Investment Adviser.
Don't fall prey to luring advertisements or market rumours.
Do not get attracted to limited period discounts or other incentives.
Do not share login credentials and password of your trading and demat accounts.

02

Disclosure Document

As per SEBI (Investment Advisers) Regulations, 2013, the following are the key disclosures for Dhanfiniti by Raghav Gumber:

Business Activity: Dhanfiniti by Raghav Gumber is a SEBI Registered Investment Adviser (RIA) providing fee-only financial planning and investment advisory services.
Ownership: The entity is a proprietorship firm owned by Raghav Gumber.
Affiliations: The firm does not have any affiliation with any other intermediaries. We do not receive any commissions or referral fees from any product providers.
Disciplinary History: There are no past or pending disciplinary actions against the firm or its proprietor by SEBI or any other regulatory authority.
Conflict of Interest: We maintain a strict policy to avoid conflicts of interest. Any potential conflict will be disclosed to the client in writing before providing advice.

03

Risk Profiling Process

Risk assessment is a mandatory prerequisite for providing investment advice. Our process ensures that advice is aligned with your financial capacity and psychological comfort.

1. Data Collection

We gather comprehensive information about your current financial situation, including assets, liabilities, income, and expenses.

2. Standardized Assessment

You will complete a questionnaire designed to evaluate your risk tolerance and risk capacity based on your life goals and time horizon.

3. Profile Documentation

Based on your inputs, we classify your risk profile (e.g., Conservative, Moderate, Aggressive) and document it in writing.

4. Annual Review

We review your risk profile annually or whenever there is a significant change in your life circumstances to ensure advice remains suitable.

04

Grievance Redressal

In case of any grievance / complaint, an investor may approach the concerned Investment Adviser who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.

Escalation Matrix

If the grievance is not redressed by the Investment Adviser, you may escalate the complaint to:

Level 1: SEBI SCORES

Filing of complaint on SEBI Complaints Redress System (SCORES)

Visit SCORES Portal →

Level 2: Smart ODR

Online Dispute Resolution platform for securities market

Visit Smart ODR Portal →

With regard to physical complaints, investors may send their complaints to: Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (E), Mumbai - 400 051.

05

SEBI Registration Details

Entity Name

Dhanfiniti by Raghav Gumber

SEBI Registration Number

INA0000XXXXX

Type of Registration

Individual (Investment Adviser)

Validity of Registration

Perpetual

Registered Address

2B/172 Ground floor, Mission compound, Saharanpur, Uttar Pradesh - 247001

06