Sanvika credit advisory Marketing and Consulting Private Limited is a SEBI licensed registered investment adviser having the license code no. INA100003949 (Sanvika credit advisory). Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Sanvika credit advisory, to the best of its ability, has taken into account various factors – both quantitative measures and qualitative assessments, in an unbiased manner, while choosing the fund(s) recommended on this Website. However, they carry unknown risks and uncertainties linked to broad markets, as well as analysts’ expectations about future events. They should not, therefore, be the sole basis of investment decisions. The recommendations and reviews do not guarantee fund performance, nor should they be viewed as an assessment of a fund’s, or the fund’s underlying securities’ creditworthiness.

Sanvika credit advisory makes no warranties or representations, express or implied, on products offered through the Website. The Company accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services and/or investments made through the Sebsite. Terms and conditions of the Website are applicable including mutual funds terms and conditions.

1. Disclaimer for Risk Profiling
In the event you do undertake risk profiling, you agree and declare that
You have read, understood and personally accomplished this entire questionnaire and that the answers You have given are true, accurate and complete. You understand that the results indicated and investment products suggested by sanvika credit advisory are only representation of my risk profile. You are aware that this type of investment does not provide guarantee against losses and therefore You shall not hold liable sanvika credit advisory, its directors, officers, representatives and employees for any claim, suit, action, loss, damage or expense, which might such indemnified persons may incur as a result of my decision to invest in products. This is also to confirm that you shall notify sanvika credit advisory should there be any change in my risk profile or the information provided by me.
In the event, you undertake risk profiling but you choose to invest as per your own choice and discretion; and not per the recommendations made by sanvika credit advisory:
You hereby declare that You have read, understood and personally accomplished this entire questionnaire and that the answers You have given are accurate and complete. You hereby waive recommendations of investment products made by sanvika credit advisory based on the results of your risk assessment and have decided to invest instead in another fund which has a risk level that is higher(or lower) than what is recommended. You fully understand that you may be taking more risks in exchange for possible higher returns. You expressly agree to assume such risks. You shall indemnify and hold harmless sanvika credit advisory, its directors, officers, representatives and employees for any claim, suit, action, loss, damage or expense which might such indemnified persons and/or you may incur as a result of your decision to invest in products with higher (or lower) risks.
In the event, you voluntary skip undertaking your risk profiling:
You hereby declare that you acknowledge that according to prevalent laws in India, an investment adviser has to perform the risk profiling of its customers and recommend investment products accordingly. You hereby waive such requirement of risk profiling as you desire to invest as per your own free choice and discretion; and you are aware that your investment decision does not guarantee against losses and therefore you shall not hold liable sanvika credit advisory, its directors, officers, representatives and employees for any claim, suit, action, loss, damage, expense or any breach of law in this context, which might such indemnified persons may incur as a result of your decision to invest in products.

2. NAV Disclaimer

What is your cut-off time for mutual fund transactions and NAV Applicability when investing through sanvika credit advisory Platform?

SEBI vide its circular SEBI/HO/IMD/DF2/CIR/P/2020/253 dated 31st December, 2020 has decided the timings for NAV applicability for purchase of units of mutual fund schemes (except liquid and overnight funds) to be effective from 1st February, 2021. Also, SEBI vide its notification SEBI/HO/1MD/DF2/OW/P/2020/18832/1 dated 6th November, 2020 had decided to restore the cut-off timings for subscription and redemption for all mutual fund schemes to its original timings (as mentioned in the below table). However, sanvika credit advisory as a registered SEBI intermediary, works with payment gateway providers and other system participants (in the mutual fund industry for collections and settlements, SEBI vide its circular SEBI/HO/MRD/DSA/CIR/P/2016/113 allowed SEBI registered investment advisors to use the infrastructure of recognized stock exchanges to purchase and redeem mutual funds units directly from AMCs on behalf of their clients, including direct plans. Accordingly, NSE is the platform partner of sanvika credit advisory and therefore we have external dependencies on their systems. Thus, the applicability of NAV in respect of purchase of mutual fund schemes is subject to the realization and availability of funds in the AMC’s bank accounts before the applicable cut-off timings.

Below is the cut off timings as mandated by SEBI:

A. In case of Subscription (applicable for all type of funds)

B. In case of Redemption – For redemption on the same day with that day’s NAV, the SEBI mandated cut-off time is 3 pm. If the redemption request is placed through our platform utmost 1 (one) hour prior to the SEBI cut-off time, then closing NAV of the same day shall be applicable. The money will be credited in your account as per the following schedule.

Note: NAV’s are allotted on business/working days.