Disclosures

AMFI Registration

Vijay Malik Financial Services is a registered Mutual Fund Distributor (MFD) with AMFI, holding ARN-317605. Our registration can be verified on the AMFI website.

EUIN

All client interactions are conducted by NISM-certified professionals with valid Employee Unique Identification Numbers (EUIN: E123456). EUIN details are disclosed in all transaction documents.

Nature of Service

As an MFD, we distribute mutual fund products and provide basic investment guidance. We are not a SEBI Registered Investment Adviser (RIA) and do not provide comprehensive financial planning as defined under SEBI (Investment Advisers) Regulations.

Advisory Limitations

Our recommendations are restricted to mutual fund products. For holistic financial planning or advice on other financial products, we recommend consulting a SEBI-registered investment adviser.

Commission Structure

As a mutual fund distributor, we receive commissions from Asset Management Companies (AMCs) for distributing their products. These commissions are part of the expense ratio in regular plans.

Commission Rates

Typical commissions range from 0.5% to 1.5% annually for equity funds and 0.1% to 0.7% for debt funds. Exact rates for specific schemes can be provided upon request.

Conflict of Interest

We acknowledge that commission structures may create potential conflicts of interest. We follow a client-first approach and recommend products based on suitability rather than commission considerations.

Direct Plans

We inform all clients about the availability of direct plans, which have lower expense ratios as they don't include distributor commissions. Clients are free to choose between regular and direct plans.

Market Risks

Mutual fund investments are subject to market risks, and their value can fluctuate due to various factors including market conditions, economic changes, and company-specific events.

No Guaranteed Returns

Past performance is not indicative of future results. We do not guarantee or promise any returns on investments. All performance illustrations are for educational purposes only.

Risk Assessment

While we assist clients in understanding their risk profile, the final investment decision rests with the client. We recommend reading all scheme-related documents carefully before investing.

Risk Mitigation

We advocate diversification, goal-based investing, and regular monitoring as strategies to manage investment risks, but these do not eliminate all investment risks.

First Level Resolution

All grievances should first be addressed to our Client Services team via email at grievance@vijaymalik.com or phone at +91 94173 34348. We aim to acknowledge grievances within 24 hours and resolve within 7 working days.

Escalation Process

If the grievance remains unresolved at the first level, clients may escalate to vijay@vijaymalik.com.

AMFI Escalation

If not satisfactorily addressed within 30 days, clients may approach AMFI at complaints@amfiindia.com or through their online grievance portal.

Record Maintenance

We maintain records of all grievances and their resolution for a minimum of 8 years per regulatory requirements. A summary report is submitted to AMFI quarterly.

Data Collection

We collect personal information necessary for KYC compliance, investment processing, and client communication — including name, contact details, identification documents, and investment objectives.

Data Usage

Client information is used solely for providing investment-related services, regulatory compliance, and communication regarding investments or market updates with client consent.

Data Sharing

Client information may be shared with AMCs, KYC Registration Agencies, and regulatory bodies as required by law. We do not sell or share client data with third parties for marketing purposes.

Data Security

We employ industry-standard security measures to protect client data. Access to client information is restricted to authorized personnel on a need-to-know basis.

Content Purpose

All content on this website is for informational and educational purposes only and should not be construed as investment advice or a recommendation to buy or sell any security.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these websites.

Intellectual Property

All content on this website is the property of Vijay Malik Financial Services and is protected by copyright laws. Reproduction without permission is prohibited.

Disclaimer

While we strive to keep information accurate and up-to-date, we make no representations about the completeness, accuracy, or reliability of information on this website.