Questions worth understanding

Prospera FinTech is a brand operated by independently registered entities that provide financial distribution, facilitation and related services.

Its current financial offerings include Mutual Funds, Alternative Investment Funds (AIFs), Portfolio Management Services (PMS), Fixed Income investments, Retirement Planning, Insurance, National Pension System (NPS), Loan Against Mutual Funds & Shares and Estate Planning.

Prospera FinTech currently offers Mutual Funds, Alternative Investment Funds (AIFs), Portfolio Management Services (PMS), Fixed Income investments, Retirement Planning, Insurance, National Pension System (NPS), Loan Against Mutual Funds & Shares and Estate Planning.

AIF and PMS access is facilitated through relevant providers, loans are facilitated through lending partners, and product-specific terms remain subject to the applicable provider and documentation.

Prospera FinTech serves individuals, NRIs and corporates through its financial and technology-related services.

The availability, eligibility and terms of a particular product or service depend on the applicable provider, requirements and documentation.

Prospera FinTech provides general information about the financial services it offers and facilitates access to relevant services through applicable providers or partners.

Prospera FinTech does not provide financial advice, make investment recommendations or determine investment suitability.

You can contact Prospera FinTech to understand the financial services available and the general process for accessing them.

Prospera FinTech can explain the general service process and the role of the relevant provider or partner. Product-specific eligibility, terms and execution remain subject to the applicable provider and documentation.

Prospera FinTech can explain which of its available services broadly relate to areas such as retirement, protection, liquidity, estate planning and investing.

This is a description of service categories only. Prospera FinTech does not provide financial advice or determine how a person should allocate money among products.

Starting to invest early can give investments a longer period in which to potentially grow and allows investors to build an investing habit over time.

The appropriate financial product or course of action depends on the individual and the applicable product terms; Prospera FinTech does not provide personal investment advice.

Different financial products have different objectives, risks, costs, liquidity characteristics and time horizons.

There is therefore no single investment approach that applies universally to all investors. Prospera FinTech provides general information and does not recommend a particular allocation or product.

Before considering an investment, understand its objective, risks, liquidity, costs, taxation, time horizon, regulatory framework and how it fits within your broader financial picture.

Past performance should not be treated as a guarantee of future performance. The applicable product documents and disclosures should be reviewed before proceeding.

Diversification means spreading investments across different asset classes, securities or investment categories rather than concentrating everything in one area.

Diversification can help manage concentration risk because different investments may respond differently to market and economic conditions. It does not eliminate investment risk.

Risk profiling is the process of understanding an investor’s willingness and ability to take investment risk. It may consider factors such as financial obligations, investment horizon, existing assets, liquidity needs and attitude towards market fluctuations.

Risk profiling is an important concept in understanding investment risk; it does not by itself determine which product or investment a person should choose.

Past performance can provide useful information, but it should not be treated as a guarantee of future performance or used on its own to assess an investment.

Other factors can include risk, consistency, investment strategy, costs, liquidity, taxation and the applicable product documents and disclosures.

Investors may review a portfolio when their financial circumstances, goals, time horizon or other relevant factors change.

This is a general educational explanation and does not constitute a recommendation by Prospera FinTech to buy, sell or switch any investment.

Charges vary depending on the investment product and service. They may include fund expenses, transaction charges, management fees, distribution-related remuneration, taxes and other applicable provider charges.

The applicable costs should be understood before proceeding. See the Disclosures page for information about Prospera FinTech’s mutual fund distribution and commission disclosures.

Before investing, consider the product's objective, risk, expected return, liquidity, investment horizon, costs, taxation, regulatory framework and how it fits into your overall portfolio.

You should also understand the product before investing and avoid making decisions solely based on short-term performance or market trends.

For mutual fund schemes distributed through our AMFI-registered entities under the Regular Plan, the applicable Asset Management Company (AMC) pays trail commission to the distributor in accordance with the prevailing commission structure and applicable regulations.

This trail commission is not separately collected from the investor by Prospera FinTech as a distribution charge. The applicable commission may vary by AMC, scheme, plan, asset class and other factors and may change from time to time. Scheme-level commission details are available on request.

Applicable charges depend on the financial product or service and the relevant provider. They should be understood from the applicable product documents, terms, scheme disclosures and other provider information before proceeding.

For mutual fund schemes distributed through our AMFI-registered entities under the Regular Plan, the applicable AMC-paid trail commission is not separately collected from the investor by Prospera FinTech as a distribution charge.

No. Prospera FinTech does not guarantee investment returns. Market-linked investments can rise or fall in value, and fixed-income products can also involve credit, interest-rate and liquidity risks.

Customers should review the applicable product documents, risk factors, terms, charges and disclosures before proceeding. See the Disclaimer for additional information.

Check the official website or public records of the regulator or industry body relevant to the product or service and verify the provider's legal name and registration details where applicable.

For mutual fund distribution, investors can verify a distributor's AMFI Registration Number (ARN) through AMFI's Locate a Mutual Fund Distributor facility, which allows searches using the ARN number or ARN holder's name. AMFI also provides information on ARNs that have been suspended, terminated or declared invalid. For other financial services, the relevant regulator's official records should be checked where applicable.

Regulatory oversight means that the relevant entity, product or activity is subject to the applicable regulatory framework, including requirements that may relate to registration, disclosures, conduct and investor or customer protection.

Regulatory oversight does not mean that investment returns are guaranteed, capital is protected or the product is risk-free. The applicable product documents, risk factors and terms should still be reviewed before proceeding.

The appropriate grievance mechanism depends on the product, service provider and nature of the complaint. Customers should first approach the relevant intermediary or service provider through its prescribed grievance process.

For securities-market grievances involving SEBI-regulated entities, investors may use SEBI’s SCORES platform after first approaching the concerned entity, where applicable.