Risk Management

  • Properly securing your future involves protecting income for you and your family.
  • Your assets should be protected against losses you cannot afford to personally absorb.
  • You will replace the conventional risk-purchase (insurance) with validated zakat payment.
  • Investing in money lending investments will erode your wealth; you will take the route of risk sharing instead

Cash Flow & Net Worth

  • Preparing a Data Sheet and Budgeting the flow of income and expenses is the first step to take charge of your finances.
  • You will plan and commit to cash flows regarding higher education of your children, pilgrimage, annual zakat payment and start for retirement planning from day one.
  • Understanding of good debt and bad debt (free of interest) helps you to control your debts better.
  • Your Scorecard – Your Net-Worth to be evaluated annually.

5 Critical Points Regarding Retirement Planning

  • It is important to truly get a handle on your desired lifestyle.
  • Choosing a rental income for a living is not a first choice but an option after providing for all your need-based goals.
  • Never underestimate the impact of inflation and taxes which is a reality as economic theories are biased towards the Capitalists.
  • Retirement is not an age but a stage in your journey towards financial freedom. There is no defined benefit from the government, but you need to define your contributions to change your lifestyle from living to work to work for living.

Tax Planning

  • Tax avoidance is recommended but not – Tax evasion!
  • Zakat payment is not tax-payment.
  • Studies have shown that tax-payment and disciplined investing with 3-year lock-in gives a higher return as compared to investment in ELSS and purging on maturity.
  • You need to plan for passive income during accumulation stage and not in distributing stage.
  • Equity related capital gain / loss harvesting is less taxable and can be used to offset taxable income. Almost all real estate transactions are cash generating means and should be avoided.
  • Deductions reduced by non-availability of shariah-compliant opportunities can be off-set with disciplined and transparent transactions in risk participation products.

Things You Must Know About Cash Reserves

  • Reserves should be built for an emergency or unexpected investment opportunities.
  • Funds-on-call help in stabilizing a portfolio in the event of a downturn in the market or during periods of volatility.
  • Too much or too little can derail return on a portfolio
  • Six months expense is a thumb rule for emergency fund. This can be tweaked during exceptional situations.

5- Things You Should Know About Debt

  • Educational Loan or Mortgage Loan are good debts as they are likely to generate income. However, such debts should not be interest-based but in the form of investments on risk-sharing basis.
  • It is desirable to invest for half the period of usual loan period and then take a loan as a self-discipline and it also increases your credit score.
  • Restrict your repayment period (recommended) to 5 years in case of capital goods. Committed expenses, including debt and savings need to be accounted for before you allocate money toward discretionary expenses.
  • Debt restricts mobility, lowers your resources in times of adversity due to medical or unplanned expenses popping up.
  • Credit Cards should be used judiciously and paid-off within the settlement period without attracting any interest. NO COMPROMISE ON LOANS TAKEN ON INTEREST BASIS.

Creating A Sound Estate Plan

  • Writing a Will may not be mandatory in Shariah. However, the political, legal and constitutional changes in the India necessitate writing a simple Will for disbursement as per Shariah guidance and registration. This will insulate against any implementation of Uniform Civil Code being considered by Government of India. The law usually is prospective and not retrospective.
  • Identify and create an awareness with the beneficiaries, classify the assets – how much is subject to Will and how much is subject to Shariah ruling
  • Family Information and Document Organizer Kit (Fidok) – Preparing a list of family members, important document list, contact numbers of family doctor, legal adviser and tax number and national identity data will help the family members in taking charge of the change.
  • Identify and name an Executor – someone whom you trust and understands moral responsibilities and can take legal decisions in carrying out your wishes.
  • A health-care proxy to determine who will make medical decisions for you when you are unable or incapable of doing so.

The Process

  • Completing the Data Collection Sheet – gives an understanding of your present and future needs and aspirations.
  • Risk Profiling – A set of questions will be answered to determine the risk appetite perceived and risk that needs to be taken for achieving the goals based on resources, time available and current investments holding.
  • Review the current investments and way forward.
Disposal of complaints Annual
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Contact us directly at for assistance with any queries, complaints or grievances. We will ensure your grievance is resolved within 30 days. If you feel that your grievance is not redressed satisfactorily, you may lodge a complaint with SEBI through the Scores website or the SEBI Scores app for Android or iOS.
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April-2021 0 0 0 0
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September-2021 0 0 0 0
October-2021 0 0 0 0
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Contact us directly at for assistance with any queries, complaints or grievances. We will ensure your grievance is resolved within 30 days. If you feel that your grievance is not redressed satisfactorily, you may lodge a complaint with SEBI through the Scores website or the SEBI Scores app for Android or iOS.
Disposal of complaints Current Month
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Disposal of complaints Monthly

Disposal of complaints Annual

Contact us directly at for assistance with any queries, complaints or grievances. We will ensure your grievance is resolved within 30 days. If you feel that your grievance is not redressed satisfactorily, you may lodge a complaint with SEBI through the Scores website or the SEBI Scores app for Android or iOS.
Investor Charter

Invest with knowledge & safety.


Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

Details of business transacted by the Research Analyst with respect to the investors

1. To enter into an agreement with the client providing all details including fee details, aspect of Conflict of interest disclosure and maintaining confidentiality of information.
2. To do a proper and unbiased risk – profiling and suitability assessment of the client.
3. To obtain registration with Know Your Client Registration Agency (KRA) and Central Know Your Customer Registry (CKYC).
4. To conduct audit annually.
5. To disclose the status of complaints in its website.
6. To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI regional/local Office details in its website.
7. To employ only qualified and certified employees.
8. To deal with clients only from official number.
9. To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.

Details of services provided to investors (No Indicative Timelines)

● Onboarding of Clients

1. Sharing of agreement copy
2. Completing KYC of clients

● Disclosure to Clients

1. To provide full disclosure about its business, affiliations, compensation in the agreement.
2. To not access client’s accounts or holdings for offering advice.
3. To disclose the risk profile to the client.

● To provide investment advice to the client based on the risk-profiling of the clients and suitability of the client

Details of grievance redressal mechanism and how to access it

1. In case of any grievance / complaint, an investor should approach the concerned Investment Adviser and shall ensure that the grievance is resolved within 30 days.
2. If the investor’s complaint is not redressed satisfactorily, one may lodge a complaint with SEBI on SEBI’s 'SCORES' portal which is a centralized web based complaints redressal system. SEBI takes up the complaints registered via SCORES with the concerned intermediary for timely redressal. SCORES facilitates tracking the status of the complaint.
3. With regard to physical complaints, investors may send their complaints to: Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, ‘G’ Block, Bandra-Kurla Complex, Bandra (E), Mumbai - 400 051.

Expectations from the investors (Responsibilities of investors)
● Do’s

1. Always deal with SEBI registered Investment Advisers.
2. Ensure that the Investment Adviser has a valid registration certificate.
3. Check for SEBI registration number. Please refer to the list of all SEBI registered Investment Advisers which is available on SEBI website in the following link: SEBI.
4. Pay only advisory fees to your Investment Adviser. Make payments of advisory fees through banking channels only and maintain duly signed receipts mentioning the details of your payments.
5. Always ask for your risk profiling before accepting investment advice. Insist that Investment Adviser provides advisory strictly on the basis of your risk profiling and take into account available investment alternatives.
6. Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
7. Assess the risk–return profile of the investment as well as the liquidity and safety aspects before making investments.
8. Insist on getting the terms and conditions in writing duly signed and stamped. Read these terms and conditions carefully particularly regarding advisory fees, advisory plans, category of recommendations etc. before dealing with any Investment Adviser.
9. Be vigilant in your transactions.
10. Approach the appropriate authorities for redressal of your doubts / grievances.
11. Inform SEBI about Investment Advisers offering assured or guaranteed returns.

● Don'ts

1. Don’t fall for stock tips offered under the pretext of investment advice.
2. Do not provide funds for investment to the Investment Adviser.
3. Don’t fall for the promise of indicative or exorbitant or assured returns by the Investment Advisers. Don’t let greed overcome rational investment decisions.
4. Don’t fall prey to luring advertisements or market rumors.
5. Avoid doing transactions only on the basis of phone calls or messages from any Investment adviser or its representatives.
6.Don’t take decisions just because of repeated messages and calls by Investment Advisers.
7. Do not fall prey to limited period discount or other incentive, gifts, etc. offered by Investment advisers.
8. Don’t rush into making investments that do not match your risk taking appetite and investment goals.
9. Do not share login credential and password of your trading and demat accounts with the Investment Adviser.