Investor Charter
Investor Charter
Per SEBI Circular SEBI/HO/OIAE/IGRD/CIR/P/2021/583 dated June 11, 2021 | Mandatory for all SEBI-registered intermediaries
Niveau Financial Services | 69443 | www.niveau.in | Effective: September 2026
This Investor Charter sets out the vision, mission, rights of investors, service standards, and grievance redressal framework of Niveau Financial Services (69443) — an AMFI-registered Mutual Fund Distributor. This charter is published in compliance with SEBI Circular dated June 11, 2021, which mandates all SEBI-registered intermediaries to publish an Investor Charter on their website.
📋 SEBI & AMFI OFFICIAL DOCUMENTS — MUST READ
Access Official Investor Charter & Regulatory Documents
These are the official documents published by SEBI and AMFI that govern investor rights and MFD obligations. Every investor should read these before investing.
SEBI — Primary Regulator
SEBI Investor Charter for Investment Advisers & Distributors
SEBI Circular SEBI/HO/OIAE/IGRD/CIR/P/2021/583 dated June 11, 2021 — the governing circular for this charter
SEBI — Investor Education
SEBI Investor Charter — Complete PDF Document
SEBI's official investor education portal — Investor Charter, rights, dos & don'ts, and complaint mechanism
AMFI — Industry Body
AMFI Investor Charter for Mutual Fund Distributors
AMFI's official Investor Charter specifically for Mutual Fund investors and distributors — mandatory compliance
AMFI — Master Circular
AMFI Master Circular January 2026
Comprehensive AMFI guidelines for MFDs covering all compliance, conduct, and investor protection requirements
SEBI SCORES — Grievance Portal
SEBI Centralised Complaint System
Lodge and track complaints against SEBI-registered entities including MFDs — real-time status tracking
SMART ODR — Dispute Resolution
SEBI Online Dispute Resolution Platform
SEBI-mandated online conciliation and arbitration for investor disputes with market intermediaries
All links above are official government portals. Niveau Financial Services is not responsible for content on external websites.
Part A — Vision, Mission & Core Values
Our Vision
To be the most trusted mutual fund advisory partner for Indian investors, at home and abroad, known for putting client interests above every other consideration, one relationship at a time.
Our Mission
To help every investor we work with build wealth with clarity and confidence through honest, need-based guidance that puts their goals ahead of any product, always.
Core Values
Client-FirstAlways — We recommend what serves younever what serves us. No incentivesno product quotasno exceptions.Risk Before Return — We look at what could go wrong before we talk about what could go right.Transparency — Every recommendation comes with a reason you can understandexplained in plain language.Personalised Attention — Every investor gets a relationshipnot a reference number.Long-Term Partnership — We're not here for a single transaction. We're here for the next decade of your financial life.
Part B — Services Provided to Investors
Mutual Fund Distribution
Purchase, Redemption, Switch, SIP, SWP
KYC & Onboarding
eKYC, KYC modification, account opening
Account Statements
CAS on demand, transaction confirmations
Investor Education
Webinars, articles, calculators, newsletters
Risk Profiling
Structured assessment before every recommendation
Grievance Redressal
GRO contact, escalation support
Part C — Rights of Investors
①
Right to Scheme Documents
Receive SID, SAI, and KIM of any recommended scheme before investing — free of charge
②
Right to Account Statement
Receive Consolidated Account Statement (CAS) on request within 5 working days
③
Right to Timely Proceeds
Receive redemption proceeds within T+3 days and dividend within 30 days of record date
④
Right to KYC Update
Update KYC details (address, bank, nominee) at any time — processed within 30 days
⑤
Right to Nomination
Register, change, or cancel nomination for all folio holdings at any time
⑥
Right to Grievance Redressal
Receive complaint acknowledgement within 3 working days and resolution within 15 working days
⑦
Right to Escalate
Escalate unresolved complaints to AMFI IGRC, SEBI SCORES, and SMART ODR without restriction
⑧
Right to Commission Info
View trail commission paid to Niveau Financial Services on your investments in your monthly CAS statement
⑨
Right to Vote
Vote on fundamental attribute changes of any scheme you are invested in — SEBI mandated
⑩
Right to Direct Plan Info
Be informed about Direct Plans as an alternative — lower TER, no distributor commission
Part D — Our Commitments to Investors
- ✅ Conduct investor risk profiling before every first recommendation and annual review thereafter
- ✅ Recommend only products suitable to the investor's risk profile, goals, and investment horizon
- ✅ Disclose all commissions and conflicts of interest proactively — never hide remuneration
- ✅ Never recommend unnecessary switches to generate additional commission (no churning)
- ✅ Provide SID, SAI, and KIM free of charge before any investment decision
- ✅ Maintain complete records of all client interactions and recommendations for minimum 8 years
- ✅ Provide clear and accurate information — never mislead investors about returns or risks
- ✅ Acknowledge every complaint within 3 working days and resolve within 15 working days
- ✅ Facilitate escalation to AMFI, SEBI SCORES, or SMART ODR without any obstruction
Part E — Dos & Don'ts for Investors
✅ DOs — Best Practices
- Always complete KYC before investing
- Read SID, SAI, KIM before every investment
- Invest based on your risk profile and goals
- Verify ARN of your distributor at amfiindia.com
- Check CAS monthly for portfolio and commissions
- Update nominee details for all folios
- Keep your bank and contact details updated
- Invest for the long term — avoid panic redemptions
❌ DON'Ts — Avoid These
- Do not invest based on past returns alone
- Do not share OTP, folio, or login with anyone
- Do not invest in unregistered schemes or chit funds
- Do not fall for guaranteed return promises
- Do not sign blank forms or POA unnecessarily
- Do not ignore scheme fundamental change notices
- Do not make investments beyond your risk capacity
- Do not delay KYC update after change in details
Part F — Service & Grievance Turnaround Times (TAT)
| Service / Activity | Description | TAT |
|---|---|---|
| Complaint Acknowledgement | Email acknowledgement with reference number | 3 working days |
| Complaint Resolution (Level 1) | Full written resolution from Niveau Financial Services GRO | 15 working days |
| Account Statement (CAS) | On-demand CAS via CAMS / KFintech / MF Central | T+5 working days |
| Redemption Proceeds | Credit to registered bank account | T+3 working days |
| Dividend / IDCW Payment | Credit to registered bank from AMC | 30 calendar days |
| KYC Modification | Address, bank, nominee update processed by KRA | 30 calendar days |
| SIP Registration / Cancellation | Effective from next SIP date after 30-day notice | 30 calendar days |
| Transaction Confirmation | Email / SMS confirmation from AMC / RTA | T+1 working day |
Part G — Grievance Escalation Matrix
1
Niveau Financial Services GRO
Sushma@niveau.in
15 working days
2
Concerned AMC
AMC Investor Relations
15 working days
3
AMFI IGRC
igrc@amfiindia.com
1800-270-7000
4
SEBI SCORES
scores.sebi.gov.in
1800-266-7575
5
SMART ODR
smartodr.in
Conciliation / Arbitration
Part H — Our Complete Compliance Infrastructure
Niveau Financial Services maintains a full suite of compliance pages as required by SEBI and AMFI — all available on our website:
Disclaimer
www.niveau.in/disclaimer
Commission Disclosure
www.niveau.in/commission-disclosure
Investor Grievance Redressal
www.niveau.in/investor-grievance-redressal
Privacy Policy
www.niveau.in/privacy-policy
Terms & Conditions
www.niveau.in/terms-and-conditions
Fund Selection Policy
www.niveau.in/fund-selection-policy
Rights & Obligations
www.niveau.in/rights-obligations
Important Links
www.niveau.in/important-links
SID / SAI / KIM
www.niveau.in/sid-sai-kim
AMFI Code of Conduct
www.niveau.in/amfi-code-of-conduct
Registrations & Licences
www.niveau.in/registrations
Our Empanelments
www.niveau.in/empanelment
Contact for Charter-Related QueriesFor any queries about this Investor Charter, your rights as an investor, or to request any compliance document, contact our GRO: Sushma Dialani | Sushma@niveau.in | 9821298901 | www.niveau.in/investor-grievance-redressal
Effective: September 2026 | Last Updated: September 2026 | Niveau Financial Services | 69443 | www.niveau.in | Per SEBI Circular SEBI/HO/OIAE/IGRD/CIR/P/2021/583
Statutory Regulatory Notice: Mutual Fund investments are
subject to market risks. Please read all scheme related documents carefully
before investing. Niveau Financial Services (ARN-69443) is an AMFI-Registered
Mutual Fund Distributor. Past performance is not indicative of future returns.