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Disclosures & Compliance
Who we are registered with, how we are paid, and what to do if something goes wrong. Plainly stated, in one place.
Who we are
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 advice, given as part of distribution and limited to mutual fund schemes.
Finpotters acts as a distributor or facilitator for financial products and does not guarantee returns or performance. Products are offered by regulated institutions such as fund houses, portfolio managers, insurers and lenders. The decision to invest, buy a policy or take a loan is always yours.
Regulators
The products we facilitate are governed by the frameworks of these regulators and bodies.
Our registrations
EUIN (Employee Unique Identification Number) identifies the person who handled your mutual fund transaction. It is written on your mutual fund application form.
| Registration | Name | Number |
|---|---|---|
| AMFI-registered Mutual Fund Distributor | Shital Shukla | ARN-87539 EUIN E073731 Valid 15 Oct 2024 to 14 Oct 2027 First registered: 14 Dec 2012 |
| AMFI-registered Mutual Fund Distributor | Jija Roy | ARN-152830 EUIN E016370 Valid 4 Aug 2024 to 14 Dec 2027 First registered: to be added |
| APMI-registered PMS Distributor | Jija Roy | APRN00191 EUIN E00157 Valid 5 Sep 2026 to 4 Sep 2029 |
| Insurance (IRDAI), life | Shital Shukla | URN AILI0301250160 |
AMFI due diligence, May 2025
AMFI's due diligence of mutual fund distributors, done for fund houses under SEBI rules, found no specific gaps for Shital Shukla's ARN-87539 (AMFI letter dated 26 May 2025).
How Finpotters is paid
We earn commission, not fees, on mutual funds. Ask us the rate on any scheme, any time.
When our clients invest through us, they invest in the Regular Plan of a scheme. The fund house pays us a trail commission out of the scheme's expenses. Commission rates differ between fund houses and schemes.
- You can ask us, at any time, what commission we receive on any scheme we suggest. We will tell you. Our rate sheets are also on the Downloads page.
- We do not deal in Direct Plans for our clients. Direct Plans pay no distributor commission, so their expenses are lower.
- For other products, such as PMS, AIFs, insurance and loans, Finpotters may receive commissions or fees from the institution concerned, as permitted under applicable regulations.
- Other products that we do not offer may also suit you.
Important disclosures
The standard risk statements for each kind of product we facilitate.
- Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
- Past performance may or may not be sustained in the future.
- Mutual funds do not offer guaranteed or assured returns. The value of your investment can go down as well as up.
- Portfolio Management Services involve market risks and may not be suitable for all investors. Read the Disclosure Document before investing.
- Alternative investments may involve higher risk and may not be suitable for all investors.
- Stock advisory is provided by SEBI-registered partners, not by Finpotters.
- Insurance products are subject to the terms and conditions of the policy.
- Loan approvals are at the sole discretion of the lending institution, subject to its policies.
- Full product disclaimers: see our Disclaimer page.
Be empowered
Simple checks before you invest, whether through us or anyone else.
Before you invest
- Understand the difference between a Mutual Fund Distributor (MFD), an adviser, an agent and an employee.
- Check the name of each financial product before you buy it.
- Ask why this fund, what the alternative funds are, and about returns, charges and any hidden costs.
- Read all documents, and fill in the forms yourself.
- Revisit all disclosures, and know your rights.
Raise the alarm if you notice
- Improper or unsuitable sale of mutual funds
- Not enough transparency when a product is suggested
- Non-disclosure of the grievance redressal mechanism
- Delay or refusal of after-sales service by us
If you have a complaint
Tell us first. Our Grievance Officer acknowledges every complaint within 2 working days and replies within 30 days.
Common questions
About advice, fees, ARNs and complaints.
Do I pay Finpotters a fee for mutual funds?
How do I check an ARN is genuine?
How long will a complaint take?
Do you guarantee returns on any product?
Mutual fund risk factors
- 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.
- The past performance of the mutual funds is not necessarily indicative of future performance of the schemes.
- 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.
- 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.
- You may also consider alternate products or funds not offered or suggested by us before making the investment decision.
Questions about how we work?
Ask us anything: commissions, registrations or a complaint.