Risk Profiling And Suitability Policy

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Before any scheme is recommended, every client completes our question Risk Profiling Questionnaire covering age, income stability, expenses, goals, investment horizon, asset preference and reaction to losses.

Risk Category Score Broadly Suitable Investments
Conservative Portfolio (Low) 0-20 Capital protection focus, overnight, liquid, short-duration debt funds
Balanced Portfolio (Moderate low) 21-40 Mostly debt with limited equity, conservative hybrid funds
Moderate aggressive portfolio (Moderate) 41-60 Balanced mix, aggressive hybrid, balanced advantage, large cap funds
Aggressive Portfolio (Moderate High) 61-80 Equity-oriented, flexi cap, large & mid cap, index funds
Very Aggressive Portfolio (High) 80-100 High equity, mid cap, small cap, sectoral/thematic funds, SIF strategies

SUITABILITY CHECK

  • Every recommendation is checked against the client's risk category and the scheme's Riskometer before the order is placed.
  • If a client chooses to invest in a scheme above their risk category, we issue an Unsuitability Letter and take the client's written execution-only confirmation on record.
  • Risk profiles are reviewed every year, and earlier on marriage, retirement, major income change or on the client's request.

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