Client Onboarding, KYC & FATCA Policy

• 1. Initial consultation — goal-based investment services, with guidance incidental to our mutual fund distribution services at no separate charge.
• 2. Data collection — name, date of birth, PAN, address, contact details, bank information and income range.
• 3. KYC verification — status verified through the KYC Registration Agency and Central KYC Registry; completion required before any transaction.
• 4. Identity verification — in-person or approved online verification, documented.
• 5. Tax declarations — tax residency declaration under FATCA and the Common Reporting Standard; beneficial ownership details for non-individuals.
• 6. Risk assessment — risk profile completed, scored, explained and signed before the first transaction.
• 7. Nomination — preferences recorded for each account.
• 8. Account setup — platform activation, bank mandate registration and welcome communication.

• No transactions without complete KYC formalities.
• No transactions placed without the investor's instruction.
• No cash accepted; all payments go to Asset Management Companies.
• No blank signed documents retained.
• Security credentials never requested from investors.
• Employee identification recorded on all applications.

We obtain periodic self-certification of tax residency, document account types for non-resident investors, maintain guardian KYC records for minors with majority tracking, preserve records as required by the Prevention of Money Laundering Act, 2002, and process changes only through authorised Asset Management Company channels.