Investor Charter

Per SEBI Circular SEBI/HO/OIAE/IGRD/CIR/P/2021/583 dated June 11, 2021 | Mandatory for all SEBI-registered intermediaries

Ishwar Bansilal Bhatewara | 23962 | investworld.in | Effective: August 2026

This Investor Charter sets out the vision, mission, rights of investors, service standards, and grievance redressal framework of Ishwar Bansilal Bhatewara (23962) — 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.gov.in → Investor Charter Circular ↗

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

investor.sebi.gov.in → Investor Charter ↗

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

amfiindia.com → Investor Charter ↗

AMFI's official Investor Charter specifically for Mutual Fund investors and distributors — mandatory compliance

AMFI — Master Circular

AMFI Master Circular January 2026

amfiindia.com → AMFI Circulars ↗

Comprehensive AMFI guidelines for MFDs covering all compliance, conduct, and investor protection requirements

SEBI SCORES — Grievance Portal

SEBI Centralised Complaint System

scores.sebi.gov.in ↗

Lodge and track complaints against SEBI-registered entities including MFDs — real-time status tracking

SMART ODR — Dispute Resolution

SEBI Online Dispute Resolution Platform

smartodr.in ↗

SEBI-mandated online conciliation and arbitration for investor disputes with market intermediaries

All links above are official government portals. Ishwar Bansilal Bhatewara is not responsible for content on external websites.

Part A — Vision, Mission & Core Values

🎯

Our Vision

To be the most trusted financial partner for every Indian family — guiding them towards financial freedom through honest advice, investor education, and personalised wealth management.

🚀

Our Mission

To simplify the investing journey for every investor through transparent practices, continuous education, and technology-enabled financial planning services — putting investor interest above all else.

💎

Core Values

IntegrityClient BoundingWealth CreationLong Term Compounding ReturnsFamily Financial Security and Safety

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

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 Ishwar Bansilal Bhatewara 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 Ishwar Bansilal Bhatewara 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

Ishwar Bansilal Bhatewara GRO

ishwarb9@gmail.com
15 working days

Concerned AMC

AMC Investor Relations
15 working days

AMFI IGRC

igrc@amfiindia.com
1800-270-7000

SEBI SCORES

scores.sebi.gov.in
1800-266-7575

SMART ODR

smartodr.in
Conciliation / Arbitration

Part H — Our Complete Compliance Infrastructure

Ishwar Bansilal Bhatewara maintains a full suite of compliance pages as required by SEBI and AMFI — all available on our website:

⚠️

Disclaimer

investworld.in/disclaimer

💰

Commission Disclosure

investworld.in/commission-disclosure

📣

Investor Grievance Redressal

investworld.in/investor-grievance-redressal

🔒

Privacy Policy

investworld.in/privacy-policy

📜

Terms & Conditions

investworld.in/terms-and-conditions

🎯

Fund Selection Policy

investworld.in/fund-selection-policy

⚖️

Rights & Obligations

investworld.in/rights-obligations

🔗

Important Links

investworld.in/important-links

📄

SID / SAI / KIM

investworld.in/sid-sai-kim

🏛️

AMFI Code of Conduct

investworld.in/amfi-code-of-conduct

🏢

Registrations & Licences

investworld.in/registrations

🤝

Our Empanelments

investworld.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: Ishwar Bhatewara | ishwarb9@gmail.com | 9823022480 | investworld.in/investor-grievance-redressal