Investor Charter

Vision & Mission

Vision: To make mutual fund investing accessible, transparent and understandable for every investor we work with, regardless of how much or how little they start with.

Mission: To distribute mutual fund schemes responsibly, disclose our commission and process clearly, and support investors through KYC, transactions and grievance redressal with the same care whether they invest ₹500 a month or a larger lump sum.

Services We Provide

• Guidance on selecting mutual fund schemes (regular plans) across AMFI-registered Asset Management Companies, matched to your stated goal and risk comfort.
• Support completing KYC (Know Your Customer) formalities required to invest in mutual funds.
• Assistance with SIP registration, lumpsum investments, redemptions, switches and folio-related service requests.
• Periodic portfolio review and support with statement/report requests.
• A defined grievance redressal process, with escalation to AMCs, AMFI and SEBI where required.

We do not provide investment advisory or portfolio management services, and we are not a SEBI Registered Investment Adviser. Our role is limited to distribution of mutual fund schemes and related investor support.

Investor Rights

• The right to receive all scheme-related documents (SID, SAI, KIM) before investing.
• The right to know the commission earned by KM Investment on any scheme recommended — see our Commission Disclosure.
• The right to invest directly with an AMC (direct plan) without going through a distributor, and to switch between direct and regular plans subject to applicable rules.
• The right to a clear, timely response to any service request or complaint.
• The right to escalate unresolved grievances to AMFI, SEBI SCORES or SEBI SMART ODR.

Investor Responsibilities — Dos & Don’ts

Do

• Read the Scheme Information Document (SID) and Key Information Memorandum (KIM) before investing.
• Keep your KYC details, bank mandate and contact information updated with the registrar.
• Invest based on your own goals, horizon and risk appetite — not solely on past performance.
• Verify any communication claiming to be from us if it asks for sensitive information.

Don’t

• Don’t share your net-banking password, OTP, card PIN or CVV with anyone, including us — we will never ask for these.
• Don’t transfer investment money to any personal bank account; payments should only go to the AMC or through official payment gateways.
• Don’t invest in a scheme purely because of a short-term rally or a “hot tip.”
• Don’t ignore the Riskometer and scheme category when making a decision.

Grievance Redressal Timelines

See our full Grievance Redressal page for a detailed walk-through of this process.

Data on Investor Complaints

As a small, individual AMFI-registered distributor, KM Investment maintains the following summary of complaints received directly by us. This table is reviewed and updated periodically.