This Investor Charter defines the vision, mission, investor rights, mandatory service turnaround times (TAT), and grievance escalation framework for clients of DK FIINSERV (ARN-133557) — an AMFI-registered Mutual Fund & SIF Distributor. Published in compliance with SEBI Circular dated June 11, 2021.
📜 SEBI & AMFI OFFICIAL DOCUMENTS — MUST READ
Access Official Investor Charter & Regulatory Documents
These are the official regulatory publications by SEBI and AMFI governing investor rights and mutual fund distribution obligations. Every investor should review these prior to investing.
SEBI — PRIMARY REGULATOR
SEBI Investor Charter for Investment Advisers & Distributors
sebi.gov.in ➔ Investor Charter Circular ↗
SEBI Circular SEBI/HO/OIAE/IGRD/CIR/P/2021/583 dated June 11, 2021 — governing circular for intermediary charters.
SEBI — INVESTOR EDUCATION
SEBI Investor Charter — Complete PDF Document
investor.sebi.gov.in ➔ Investor Charter ↗
Official SEBI investor education portal covering rights, obligations, dos & don'ts, and grievance pathways.
AMFI — INDUSTRY BODY
AMFI Investor Charter for Mutual Fund Distributors
amfiindia.com ➔ Investor Charter ↗
AMFI's official charter specifically applicable to Mutual Fund investors and registered distributors.
AMFI — MASTER CIRCULAR
AMFI Master Circular
amfiindia.com ➔ AMFI Circulars ↗
Comprehensive compliance guidelines for MFDs covering conduct, suitability, and investor protection requirements.
SEBI SCORES — GRIEVANCE PORTAL
SEBI Centralised Complaint System
scores.sebi.gov.in ↗
Lodge and track complaints against SEBI-registered entities online with real-time status updates.
SMART ODR — DISPUTE RESOLUTION
SEBI Online Dispute Resolution Platform
smartodr.in ↗
SEBI-mandated online conciliation and arbitration portal for investor disputes with market intermediaries.
Part A — Vision, Mission & Core Values
🎯
Our Vision
To be a trusted financial partner for every Indian family — guiding them towards financial independence through honest distribution, continuous investor education, and long-term asset allocation.
🚀
Our Mission
To simplify the mutual fund investing journey through transparent practices, objective fund mapping, and technology-enabled services while prioritizing investor suitability above all else.
💎
Core Values
Trust
Transparency
Education
Integrity
Client-First
Part B — Services Provided to Investors
📊
Mutual Fund & SIF Distribution
Facilitating Purchase, Redemption, Switch, SIP, SWP, and STP transactions across AMCs.
🪪
KYC & Onboarding
eKYC registration, KYC modification, address/bank updates, and folio opening support.
📋
Account Statements & Reports
Consolidated Account Statements (CAS) on demand, transaction slips, and capital gain statements.
🎓
Investor Education Support
Sharing educational articles, calculators, market updates, and organizing Investor Awareness Programs.
🔍
Risk Profiling & Mapping
Structured suitability assessment before making product recommendations aligned with SEBI Riskometers.
📞
Grievance Assistance
Dedicated internal officer support and assistance in escalating unresolved issues to AMCs or SEBI SCORES.
Part C — Statutory Rights of Investors
①
Right to Scheme Documents
Receive SID, SAI, and KIM of any recommended scheme before investing — completely free of charge.
②
Right to Account Statement
Receive Consolidated Account Statement (CAS) on request within statutory timelines.
③
Right to Timely Proceeds
Receive redemption proceeds within T+1 to T+3 working days and dividend payouts within statutory windows.
④
Right to KYC Updates
Update KYC details (address, bank, email, nominee) at any time through authorized KRA/RTA channels.
⑤
Right to Nomination
Register, modify, or cancel nomination for all mutual fund folios at any time.
⑥
Right to Grievance Redressal
Receive formal complaint acknowledgement within 3 working days and resolution within 30 days.
⑦
Right to Escalate
Escalate unresolved grievances to NJ, AMC, AMFI, SEBI SCORES, and SMART ODR without restriction.
⑧
Right to Commission Info
View trail commission rates paid to DK FIINSERV on your investments in your monthly CAS statement.
⑨
Right to Vote
Vote on fundamental attribute changes or restructuring of any scheme you are invested in.
⑩
Right to Direct Plan Info
Be informed about Direct Plans as an alternative carrying lower Total Expense Ratio (TER) without distributor commission.
Part D — Our Commitments to Investors
- Conduct investor risk profiling prior to initial purchase recommendations and review periodically thereafter.
- Recommend only products that align with the investor's documented risk profile, financial goals, and horizon.
- Disclose all commission structures and potential conflicts of interest proactively and transparently.
- Never recommend unnecessary scheme switches or portfolio churning to generate distributor commission.
- Provide Scheme Information Documents (SID) and Key Information Memorandums (KIM) free of charge before purchase execution.
- Maintain complete, secure records of client interactions, risk assessments, and order instructions for a minimum of 8 years.
- Provide clear, truthful information — never mislead investors regarding past performance or market guarantees.
- Acknowledge all investor complaints within 3 working days and provide written resolution within 30 days.
- Facilitate seamless escalation to NJ, AMC, SEBI SCORES, or SMART ODR without obstruction.
Part E — Dos & Don'ts for Investors
✅ DOs — Best Practices
- Always complete KYC formalities before investing.
- Read KIM, SID, and Riskometer before confirming transactions.
- Invest based on personal risk profile and financial objectives.
- Verify the ARN (133557) of your distributor at amfiindia.com.
- Check your CAS statement monthly to audit transaction accuracy.
- Maintain active nominee details for all mutual fund folios.
- Keep your registered email, mobile, and bank details updated.
- Invest with a long-term perspective — avoid panic redemptions during market volatility.
❌ DON'Ts — Avoid These
- Do not invest based on short-term past performance alone.
- Do not share passwords, OTPs, or transaction PINs with anyone.
- Do not invest in unregistered schemes, chit funds, or unregulated entities.
- Do not fall for promises of guaranteed or fixed returns in mutual funds.
- Do not sign blank application forms or transaction slips.
- Do not ignore fundamental attribute change notices sent by AMCs.
- Do not invest money required for immediate short-term emergencies into equity schemes.
- Do not delay updating bank account changes in your KYC records.
Part F — Service & Grievance Turnaround Times (TAT)
| Service / Activity |
Service Description |
Committed TAT |
| Complaint Acknowledgement |
Issuance of acknowledgement email with reference number |
3 working days |
| Complaint Resolution (Level 1) |
Written resolution from DK FIINSERV GRO Desk |
Within 30 days |
| Account Statement (CAS) |
On-demand statement request via CAMS / KFintech / MF Central |
T+5 working days |
| Redemption Proceeds Credit |
Bank credit of redemption proceeds (Subject to scheme settlement cycle) |
T+1 to T+3 days |
| Dividend / IDCW Payment |
Direct bank credit of income distribution payouts from AMC |
30 calendar days |
| KYC Modification |
Address, bank, or nominee modification processed via KRA |
30 calendar days |
| SIP Registration / Cancellation |
Systematic order setup or cancellation notice processing |
30 calendar days |
| Transaction Confirmation |
Order allotment confirmation sent via SMS / Email by AMC / RTA |
T+1 working day |
Part G — Grievance Escalation Matrix
1
DK FIINSERV GRO
info@dkfiinserv.com
Within 30 Days
2
NJ Platform
Platform Support Desk
Standard TAT
3
Concerned AMC
AMC Investor Service Cell
15 Working Days
4
SEBI SCORES
scores.sebi.gov.in
1800-266-7575
5
SMART ODR
smartodr.in
Arbitration / Conciliation
Part H — Compliance Infrastructure
DK FIINSERV maintains a comprehensive suite of statutory compliance pages as required by SEBI and AMFI:
Contact for Charter-Related Inquiries & Documents:
For any questions regarding this Investor Charter or to request compliance documentation, please connect with our GRO: Mr. Devendra Kasar | info@dkfiinserv.com | +91 9167555300 | Office Address: Kailash Industrial Complex, E-301, Veer Sawarkar Marg, Vikhroli (W), HMPL Surya Nagar, Vikhroli West, Mumbai, Maharashtra 400079
