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Disclaimer

Welcome to SJ Financial Services Suraj Jatwani is a Mutual Fund Distributor registered with the Association of Mutual Funds in India (AMFI), holding ARN No. 101144.   All investments in mutual funds are subject to market risks. Please read the Scheme Information Document (SID), Key Information Memorandum (KIM), and Statement of Additional Information (SAI) available on our website carefully before investing. Past performance is not indicative of future results, and no guarantees are provided on returns. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus.

This website is created for informational and knowledge purposes only.  We do not provide personalized financial advice, nor are we SEBI-registered investment advisors. as defined per the SEBI (Investment Advisers) Regulations, 2013  All information provided is for general understanding and product distribution purposes. We recommend consulting a certified financial advisor before making any investment decisions. We assess the suitability of investment products based on your risk profile, which is determined through a client consent process. Please ensure that the products you choose align with your risk tolerance and financial goals.  We offer periodic portfolio reviews twice a year, or more frequently upon your request, to ensure your investments continue to meet your financial objectives.  We notify clients of any changes in product features, risks, or regulatory updates as and when they occur.  We do not guarantee returns on any mutual fund or investment product offered. All investments are subject to market risks, and clients must evaluate their risk tolerance accordingly. 

We provide incidental advise pertaining to Mutual Funds and their appropriateness and suitability. We maintain transparency in all commissions earned from Asset Management Companies for investments made under our ARN Code.  The commission receivable is subject to and as per the guidelines laid down by SEBI and the Asset Management Companies. The commissions payable to us for the different schemes of various mutual funds, as required to be disclosed under clause 4(d) of the SEBI Circular No. SEBI/IMD/CIR No. 4/168230 dated June 30, 2009 is  provided hereinbelow. The commission structure is communicated to our clients clearly before any investment is made. Please feel free to ask for details. The tax implications of your investments should be discussed with your personal Chartered Accountant (CA). We do not provide tax advisory services but can assist with basic information on potential tax impacts.   We have a formal grievance redressal process in place. If you have any concerns or complaints, please refer to our grievance policy available on our website or contact us directly for assistance.

Insurance : Insurance is the subject matter of solicitation