Disclosures & Important Information
Rudra Consultancy is committed to regulatory transparency, client-first ethics, and strict compliance with SEBI and AMFI guidelines. Please review these essential statutory disclosures, commission details, market risk notifications, and service parameters.
Regulatory Entity & Registration Summary
Official Association of Mutual Funds in India (AMFI) Distributor Record
1. Mutual Fund Distribution Status & Operating Capacity
AMFI Registration: ARN-326778
Rudra Consultancy is an AMFI-Registered Mutual Fund Distributor holding ARN: 326778, led by CA Nainsingh Rajput. In this capacity, we distribute mutual fund schemes of various Asset Management Companies (AMCs) registered with the Securities and Exchange Board of India (SEBI).
Our services include helping individuals and families understand mutual fund concepts, evaluate their financial requirements, identify appropriate time horizons, assess their risk appetite, and structure suitable mutual fund schemes aligned with their personal goals.
Rudra Consultancy operates strictly as a Mutual Fund Distributor and does not hold registration as a SEBI Registered Investment Adviser (RIA). We do not provide fee-only investment advisory services as governed under the SEBI (Investment Advisers) Regulations, 2013. Any goal planning discussions, asset allocation suggestions, diagnostic reviews, or milestone roadmaps are provided solely incidental to our role as an AMFI-registered distributor.
2. Commission, Trail Income & Potential Conflicts of Interest
SEBI Remuneration Regulations & AMFI Code of Conduct
In accordance with SEBI circulars and the AMFI Code of Conduct, Rudra Consultancy transparently discloses that as a distributor, we earn trail commissions / brokerage directly from Asset Management Companies (AMCs) for mutual fund investments processed under ARN-326778.
- Trail Commission Model: Commissions are paid out of the Total Expense Ratio (TER) of the regular plan of each mutual fund scheme on a recurring, trail basis for as long as the investment is maintained.
- No Upfront Commissions: We do not charge or receive upfront commissions from investors or AMCs, adhering strictly to SEBI’s ban on upfront distribution commissions.
- Direct vs. Regular Plans: Investors also have the option to invest directly with AMCs under “Direct Plans” which do not involve distributor commissions and carry lower expense ratios.
Transparent Management of Potential Conflicts of Interest
Different mutual fund schemes and AMCs may pay varying trail commission rates. This creates an inherent potential conflict of interest for distributors. Rudra Consultancy mitigates this conflict through our suitability-first principle: we recommend schemes strictly based on the investor’s documented risk tolerance, milestone horizon, and product suitability—never based on AMC commission structures.
Investors are entitled to request and receive detailed scheme-wise commission rates payable to Rudra Consultancy across various asset categories before or during the investment lifecycle.
3. Statutory Market Risk Notice & Non-Guarantee of Returns
Mandatory Regulatory Warning
Mutual fund units are not bank deposits and are not insured or guaranteed against capital loss. The Net Asset Value (NAV) of schemes fluctuates continuously in response to market forces, interest rate changes, macroeconomic developments, currency fluctuations, regulatory amendments, and credit conditions.
Rudra Consultancy, CA Nainsingh Rajput, and our representatives do not promise, guarantee, or assure any specific returns, fixed yields, or assured capital accumulation. Returns are dependent on market performance.
Past performance of any scheme, benchmark, index, or asset category is strictly historical and does not indicate or guarantee future results.
Investors should independently read the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) issued by the respective AMC before committing funds.
4. Risk Profiling, Goal Suitability & Recommendations
Due Diligence & Client Suitability Framework
At Rudra Consultancy, investment recommendations and milestone asset allocations are strictly determined through a structured suitability and risk profiling process. Before proposing any financial solution, we evaluate:
Evaluating your ability and willingness to absorb market volatility across different stages of life.
Aligning specific asset classes (equity, hybrid, debt) with the specific target year of your family milestone.
Ensuring essential emergency cash reserves are in place prior to allocating capital to long-term mutual fund SIPs.
*Note: Suitability assessments rely on the accuracy and completeness of the financial and personal information disclosed by the client during discovery sessions. Clients should independently evaluate their risk appetite and financial capacity before making investment decisions.
5. Insurance Products Distribution & Applicable Authorization
IRDAI Intermediation Compliance
Rudra Consultancy facilitates term life insurance, health insurance, vehicle insurance, and general insurance products purely under applicable insurance authorization through licensed insurance corporate agents, brokers, or web aggregators registered with the Insurance Regulatory and Development Authority of India (IRDAI).
- Separation of Protection and Investment: We strongly advocate keeping insurance protection strictly separate from investment growth. We emphasize pure term plans and health covers to protect family income rather than commingling funds in high-cost endowment or traditional insurance policies.
- Subject Matter of Solicitation: Insurance is the subject matter of solicitation. Policy underwriting, premium pricing, policy issuance, and claim adjudication rest entirely with the respective insurance company.
- Policy Terms & Exclusions: Insurance coverage is strictly governed by the terms, exclusions, waiting periods, and conditions detailed in the respective policy document.
6. General Educational & Informational Purpose of Website Content
Website Content, Calculators & Educational Media
All content published on this website—including articles, guides, milestone planning frameworks, illustrations, formulas, and educational video masterclasses by CA Nainsingh Rajput—is provided strictly for general educational and informational purposes only.
Interactive Calculators (SIP, Lumpsum & Education Goal): All calculators on this website are illustrative simulation tools designed to demonstrate mathematical concepts such as compound interest and the impact of inflation. They do not constitute personalized financial advice, do not predict future market returns, and do not guarantee any specific financial milestone or investment outcome.
Not Legal or Tax Advice: Website materials must not be construed as individualized legal, accounting, or tax advice. Users should consult their qualified tax consultant or legal counsel regarding their specific personal tax situations and regulatory requirements.
7. Investor Grievance Redressal Mechanism & Regulatory Portals
Structured Escalation Hierarchy
We believe in prompt, transparent, and courteous resolution of all investor inquiries and concerns. If you experience any service discrepancy or have a formal grievance regarding mutual fund distribution facilitated by Rudra Consultancy, please follow our structured escalation hierarchy:
Direct escalation to CA Nainsingh Rajput’s office for investigation and turnaround within 3 to 5 business days.
You may lodge a complaint directly with the respective Mutual Fund AMC Investor Service Center or Registrar (CAMS / KFintech).
If your grievance is not resolved satisfactorily, you may lodge a complaint on regulatory portals:
Need Clarification on Any Regulatory Matter?
We are committed to open communication. Contact CA Nainsingh Rajput’s office directly for any questions regarding our certifications, commissions, or disclosures.