Disclaimer and risk disclosures

Each product page carries its own risk note. This page collects them in one place. It does not replace them.

1. General

Finpotters is the trade name under which Shital Shukla (ARN-87539) and Jija Roy (ARN-152830) act as AMFI-registered Mutual Fund Distributors. Any suggestion we make on mutual funds is incidental to distribution and limited to mutual fund schemes. The information on this website is for general information and investor education only. It is not an offer, a solicitation or a recommendation, and it is not investment, tax or legal advice. Finpotters acts as a distributor or facilitator for financial products and does not guarantee returns or performance. Past performance may or may not be sustained in future.

2. Mutual funds

Mutual fund risk factors

1. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market, including fluctuations in interest rates.
2. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes.
3. The Mutual Fund is not guaranteeing or assuring any dividend (IDCW) under any of the schemes, and the same is subject to the availability and adequacy of distributable surplus.
4. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment or participation in the scheme.
5. You may also consider alternate products or funds not offered or suggested by us before making the investment decision.

Mutual funds do not offer guaranteed or assured returns. The value of your investment can go down as well as up, and you may lose part of your capital. Please read the Scheme Information Document, Statement of Additional Information and Key Information Memorandum before investing.

3. Portfolio Management Services

Portfolio Management Services involve market risks and may not be suitable for all investors. Returns are not assured, and past performance does not indicate future results. Read the Disclosure Document and the agreement carefully before investing. PMS distribution: Jija Roy, APMI-registered (APRN00191), valid till 4 Sep 2029. Finpotters facilitates PMS of SEBI-registered portfolio managers and receives distribution commission from them; the commission for each investment approach is disclosed to you before you invest. Portfolio managers also offer direct on-boarding without a distributor.

4. Alternative Investment Funds

Information on this website about Alternative Investment Funds is general information. It is not an offer or solicitation to invest in any AIF. AIFs raise money only by private placement, through a placement memorandum, from eligible investors. The minimum investment is generally ₹1 crore per investor, as set by SEBI, with a few exceptions (for example, accredited investors). Returns are not assured, and money is usually locked in for several years. Alternative investments may involve higher risk and may not be suitable for all investors. Finpotters may receive a distribution fee from the AIF manager, which the AIF discloses to you when you invest; AIF schemes must also offer a Direct Plan without any distribution fee.

5. InvITs

Alternative investments may involve higher risk and may not be suitable for all investors. InvIT units are subject to market, interest-rate and liquidity risks. Distributions are not assured and depend on the performance of the underlying assets. Read the offer document and all trust disclosures carefully before investing. Information on this website is general information about listed InvITs. Finpotters does not promote any privately placed InvIT issue.

6. GIFT City funds

GIFT City (IFSC) funds are regulated by the International Financial Services Centres Authority (IFSCA), not by SEBI. Resident Indians invest in foreign currency under the RBI Liberalised Remittance Scheme, within its annual limit. Many IFSC schemes are offered only by private placement to accredited or high-minimum investors. Information on this website is general information, not an offer of any scheme. Currency, market and liquidity risks apply, and returns are not assured. Tax treatment depends on your circumstances and may change; please consult a tax professional.

7. Bonds

Bonds carry credit, interest-rate and liquidity risk. Returns are not guaranteed, and credit ratings are opinions, not assurances. Finpotters does not sell bonds on this website; most bonds are bought through registered Online Bond Platform Providers (which must be SEBI-registered stock brokers) or through stock brokers (the platform or broker we use: to be added), while government securities can also be bought through RBI Retail Direct and RBI Floating Rate Savings Bonds through designated bank branches. Tax information here is general; please confirm your case with a chartered accountant. Read the offer document or information memorandum before investing.

8. Stock advisory

Stock advisory is provided by SEBI-registered partners (investment advisers or research analysts). Finpotters explains how the service works and makes the introduction; the advice itself comes from the partner. The partner's name and SEBI registration number are shared with you before you sign up. Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Past performance does not indicate future results, and no returns are assured. [to be added: any referral fee Finpotters receives from the partner, and its basis]

9. Insurance

Insurance is the subject matter of solicitation. Insurance products are offered by [to be added: insurer registered name] (IRDAI Reg. No. [to be added]). [to be added: licence holder name], [to be added: licence type], licence/code no. [to be added], solicits these products on the insurer's behalf; Finpotters does not issue any insurance policy. Insurance products are subject to policy terms and conditions. For details of risk factors, terms and conditions, and exclusions, please read the sales brochure and policy wording carefully before concluding a sale.

10. Loans

Loans are provided by partner banks and NBFCs; Finpotters only helps you choose and apply. Loan approvals are at the sole discretion of the lending institution, as are the interest rate, fees and terms. Please read the lender's Key Fact Statement and loan agreement before you sign. Finpotters does not charge borrowers any fee; any fee for our service is paid by the lender (to be confirmed by Finpotters). Partner lenders: to be added. Grievance officer for loans: name, email and phone to be added.

11. Tax

Tax information on this website is general, based on the rules for Tax Year 2026-27 under the Income-tax Act, 2025, and may not apply to you. Tax rules change. Please confirm with a qualified tax professional.

12. Visitors outside India

Information on this website for Non-Resident Indians is general information. It is not an offer or solicitation to buy any security or financial product in any country where such an offer is not permitted, or to any person to whom it cannot lawfully be made. Some mutual funds and other products do not accept investments from residents of certain countries, including the USA and Canada. Eligibility is set by each product provider. Tax treatment depends on your country of residence; consult a tax professional there and in India.

Last updated: 29 September 2026 (draft). To be reviewed by Finpotters' legal adviser before the site goes live.