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. Our role — distributor, not adviser

Nayyar Fintech Services Pvt. Ltd. is a registered Mutual Fund Distributor with NJ Wealth (ARN 843303) — not a SEBI-registered Investment Adviser. That means we help you access and understand mutual fund products and may earn commission from AMCs when you invest through us, rather than charging you a fee for personalised advice. The tools and content on this site are educational and decision-support aids, not individualised investment recommendations.

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. Category and "NJ Wealth" labelling

Where a scheme on this site is marked as available through the NJ Wealth platform, that reflects our distribution relationship with NJ India Invest / NJ Wealth (ARN 843303) — it is a disclosure of how we may be compensated, not an endorsement that NJ-distributed schemes are better suited to you than any other scheme in the same category.

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 confirm our distributor registration on AMFI's ARN lookup if you'd like to verify us before proceeding.

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.