Investor Awareness Material | Resources | PlanUrDream

6 Things Every Investor Must Know

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Registered ≠ Safe. Always check if your advisor, broker, or AMC is SEBI/AMFI/IRDAI registered.

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Mutual funds are subject to market risk. Past performance does not guarantee future returns.

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Read the Key Information Document (KID) and Scheme Information Document (SID) before investing.

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Never share your OTP, bank password, Demat credentials, or PIN with anyone — including 'customer care'.

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If returns sound too good to be true, they almost always are. Legitimate investments don't guarantee 20%+ monthly returns.

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File complaints promptly on SEBI SCORES, IRDAI Bima Bharosa, or RBI CMS — delays may affect resolution.

🚨 Fraud Red Flags — Stop Before You Invest

If you encounter any of the following, stop immediately and report to SEBI SCORES or the Cyber Crime portal (cybercrime.gov.in):

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Guaranteed high returns (15–30% per month) — no regulated investment offers this

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Pressure to invest immediately — 'limited time offer' is a classic fraud tactic

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Requests to transfer money to a personal bank account, not a registered entity

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Unsolicited tips on WhatsApp, Telegram, or social media from unknown people

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Advisor not registered with SEBI, AMFI, or IRDAI — always verify registration

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Schemes promising doubling of money — these are Ponzi/pyramid schemes

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Requests for your OTP, Demat credentials, or net banking password

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Chit funds or unregistered deposit schemes promising better returns than banks

Report Investment Fraud Immediately

SEBI SCORES Helpline: 1800 22 7575 | Cyber Crime: 1930 | SEBI SCORES: scores.gov.in

Know Your Rights as an Investor

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Right to Information

You have the right to a Key Information Document (KID) for every mutual fund, a Policy Document for insurance, and a detailed fee disclosure from your advisor before investing.

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Right to a KYC

Your KYC (Know Your Customer) data belongs to you. You can update or correct it at any time through CKYC or your registrar (CAMS/KFintech).

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Right to a Nominee

Every financial account — bank, demat, mutual fund, insurance — must allow you to register a nominee. Always exercise this right to ensure smooth asset transfer.

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Right to Grievance Redressal

File complaints against AMCs/brokers on SEBI SCORES, against insurers on IRDAI's Bima Bharosa portal, and against banks on RBI's CMS portal. Escalate to Ombudsman if unresolved.

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Right to Verify Your Advisor

Always verify: SEBI RIA registration on sebi.gov.in, AMFI ARN on amfiindia.com, IRDAI agent licence on irdai.gov.in. Don't invest with unregistered entities.

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Right to Suitable Advice

Your advisor must do a risk profiling before recommending products. Mis-selling — selling products unsuitable to your risk profile or misrepresenting features — is illegal.