Disclosures & Disclaimers

Key notices

Investor awareness

General

• Ramasure Financial Services facilitates access to products of third-party providers — asset management companies, insurers, banks, NBFCs, brokers and other institutions. Every product is governed by the terms of its provider.
• Ramasure does not hold client money. All payments are made directly to the respective product provider.
• Ramasure may receive commissions, trail income, brokerage or referral fees from product providers. These are disclosed to clients as required by applicable regulations.
• Information on this website is for general awareness only and does not constitute investment, tax or legal advice. Please consider your own circumstances, or consult a qualified professional, before acting.

Mutual Funds & SIPs

• Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
• The NAV of units may go up or down depending on market conditions. Past performance of a scheme may or may not be sustained in future and is not a guarantee of future returns.
• A SIP does not assure a profit or protect against loss in a declining market.
• Exit loads, expense ratios, lock-in periods (such as for ELSS) and taxation apply as per the scheme documents and prevailing law.
• Investors may also invest directly with the fund house through Direct Plans, which carry a lower expense ratio as no distribution commission is paid.

Stock Broking, Demat & Derivatives

• Investments in securities market are subject to market risks, read all the related documents carefully before investing.
• Broking, depository, derivatives and margin trading services are provided by partner entities. Account opening is subject to their KYC and risk-profiling process.
• Trading in derivatives (Futures & Options) is highly risky and can result in losses greater than the amount invested. Studies by the market regulator have found that a large majority of individual derivatives traders incur net losses.
• Margin Trading Facility involves borrowing and interest costs; a fall in prices may require additional margin, failing which positions may be squared off.
• Brokers and their partners are not permitted to offer assured returns or to handle client funds outside the official banking channel.

Insurance

• Insurance is the subject matter of solicitation. For details on risk factors, benefits, exclusions and terms, read the sales brochure and policy wording carefully before concluding a sale.
• Policies are underwritten and issued by the respective insurer. Ramasure does not underwrite risk, and claim settlement is at the insurer’s discretion as per policy terms.
• In Unit Linked Insurance Plans (ULIPs), the investment risk in the investment portfolio is borne by the policyholder. Linked insurance products do not offer any liquidity during the first five years of the contract.
• Waiting periods, sub-limits and co-payments may apply to health insurance. A free-look period is available on eligible policies, as per the policy terms.
• Tax benefits, if any, are subject to the provisions of tax laws as amended from time to time.

Loans & Credit

• Ramasure is not a lender. Loans are sanctioned and disbursed by partner banks and NBFCs at their sole discretion, subject to eligibility, credit assessment and documentation.
• Interest rates, processing fees and other charges are set by the lender and stated in the sanction letter and loan agreement. Rates shown on this website are indicative and may change.
• Timely repayment is important: delays can attract penal charges and affect your credit score.
• For loans against mutual funds or securities, the lender may sell pledged securities if margin requirements are not met.
• Beware of anyone asking for advance fees to “guarantee” loan approval.

Bonds, Debentures & Fixed Deposits

• Bonds, debentures and corporate fixed deposits carry credit and default risk. Review the credit rating and offer documents before investing.
• Bank deposits are covered by deposit insurance up to the limit prescribed by law; corporate deposits and bonds are not covered.
• Prices of listed bonds may move with interest rates, and liquidity in the secondary market may be limited.

NPS, Retirement & Planning Services

• NPS is a market-linked product and returns are not guaranteed. Contributions, withdrawals and annuity requirements are governed by the rules of the pension regulator, as amended from time to time.
• IEPF claims and share recovery are processed by the relevant authority and companies; timelines are outside Ramasure’s control.
• Will writing and nominee structuring support is general assistance. Legal documents should be reviewed by a qualified lawyer.

PMS & AIF

• Portfolio Management Services and Alternative Investment Funds are available only to eligible investors who meet the minimum investment thresholds prescribed by regulations.
• These products carry higher risk, may have lock-in periods and limited liquidity, and their performance is not guaranteed. Read the disclosure document / private placement memorandum carefully.

Calculators, Learning Centre & News

• Calculators provide indicative estimates based on the assumptions you enter. Actual returns, EMIs and eligibility will differ.
• Learning Centre content is for general education and is not a recommendation to buy or sell any product.
• Market News headlines and summaries come from the credited third-party sources. Ramasure does not author, verify or endorse third-party reporting.

Partner Programme

• Partnerships are subject to due diligence, a written partner agreement and the certifications or registrations required by applicable regulations for the chosen model.
• Payouts are made as per the payout grid and schedule set out in the partner agreement.