Risk Disclosures

Mutual fund investments are subject to market risks. Please read all scheme-related documents (Scheme Information Document, Key Information Memorandum, Statement of Additional Information) carefully before investing.

1. Free knowledge vs personalised advice

The articles, tools, calculators and comparisons on this site are free and are provided for general knowledge and education only. They are not individualised investment recommendations. Personalised advice is a separate, paid service provided under a written agreement after your goals, risk profile and finances have been understood. Even personalised advice cannot remove market risk or guarantee any outcome.

2. Market risk

The value of mutual fund investments can go up or down based on market movements, interest rates, currency fluctuations, and the performance of the underlying securities. You may get back less than you invested. No scheme, fund category, or strategy shown on this site is risk-free, regardless of its risk-o-meter label or historical stability.

3. Past performance

Any past returns, 1Y/3Y/5Y figures, or "top fund" rankings shown on this site are historical and illustrative only. Past performance of a scheme, fund manager, or category is not, and should not be treated as, an indication of future results.

4. Calculators and illustrations

The SIP Calculator, Goal Finder, MyPoonji Check and Fixed Income comparison use fixed, stated assumptions (such as an illustrative annual return) to project outcomes. These are simplified planning aids to help you think about orders of magnitude — actual returns will differ, sometimes significantly, from any number shown by these tools. They do not account for taxes, exit loads, fund-specific expenses, or your complete financial picture.

5. Fund categories and scheme lists

Category pages, scheme lists and "top fund" style rankings are shown for knowledge only. A scheme appearing in a list, or ranking higher than another, is not an endorsement and does not mean it is suitable for you.

6. No guaranteed returns

We do not offer, promise, or imply any guaranteed return, capital protection, or assured outcome on any product referenced on this site — including mutual funds, fixed deposits, bonds, insurance-linked products, or real estate. Be cautious of anyone — including anyone claiming to represent Mypoonji — who promises guaranteed or unusually high returns.

7. Verify before you invest

Before investing, please independently verify current NAV, expense ratio, exit load, fund manager, and risk-o-meter directly from the AMC or AMFI (amfiindia.com), and, before paying for any advice, please ask any adviser — including us — for their registration details and a written statement of the fee.

8. Insurance, loans and other products

Where this site discusses insurance, loans, real estate, or alternative investments (AIF/SIF/private equity), the same principle applies: content is educational, product suitability depends entirely on your individual circumstances, and you should review official product documents and, where relevant, consult a licensed professional before committing.