Disclaimer
Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee or assurance that the investment objective of any scheme will be achieved. NAVs of units issued under any Mutual Fund scheme can go up or down depending upon the factors and forces affecting securities markets and may also be affected by changes in the general level of interest rates. The value of investments may fluctuate and investors may not get back the amount they invested.
1. Nature of Our Business
HERO MURPANI is an AMFI-registered Mutual Fund Distributor (ARN-35253) providing the following services:
- Facilitating purchase, redemption, switch, and SIP registration of Mutual Fund units on behalf of investors
- Distributing Portfolio Management Services (PMS) as an APMI-registered distributor
- Distributing Specialised Investment Funds (SIF) as an AMFI-registered SIF distributor
- Providing investor education content, financial calculators, and general financial information
We do NOT provide personalised investment advice | We are NOT a SEBI RIA | We do NOT guarantee returns | We do NOT provide tax, legal, or accounting advice | We do NOT facilitate Direct Plan investments
2. Investment Risk Disclaimer
Mutual Funds
- Mutual Fund investments are subject to market risks — NAV may rise or fall based on market conditions
- Past performance does not guarantee future returns — do not invest based on past performance alone
- There is no assurance that the investment objective of any scheme will be achieved
- HERO MURPANI deals in Regular Plans only — trail commission is earned from AMCs as part of TER, which is not an additional charge to investors
- Direct Plans are available at lower expense ratios through AMC portals — HERO MURPANI does not facilitate Direct Plan investments
- Please read the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) carefully before investing
Portfolio Management Services (PMS)
Specialised Investment Funds (SIF)
3. Scheme Information and Risk Disclosure
A. Scheme Information
Before investing in any Mutual Fund scheme please read the scheme related documents: the Scheme Information Document (SID), the Statement of Additional Information (SAI) and the Key Information Memorandum (KIM). These documents describe the scheme's objective, where it invests, its risks, its Riskometer and its expenses.
Scheme Offer Documents (SID / SAI / KIM): Click Here.
The documents are also available on the website of the respective Asset Management Company (AMC) and on the AMFI website (https://www.amfiindia.com/). We also send the SID/KIM link and the latest factsheet to the customer with every recommendation.
When an AMC changes a fundamental attribute of a scheme, the AMC's addendum is forwarded to the affected customers. Scheme performance may be checked on the AMFI website (https://www.amfiindia.com/net-asset-value) and on the website of the respective AMC. We share the investment status report with our customers and inform them of regulatory and operational changes that affect them.
B. Risk Disclosure
Investments in Mutual Fund schemes carry risk. Please understand the following before you invest:
- Market risk, including loss of capital: The value of a scheme moves with the market. It can fall because of market volatility, force majeure events, or changes in the political and economic environment. Returns are not fixed, and you can lose a part of the money you invested.
- Issuer default risk: A company or body whose securities the scheme holds may default on its payments, or may become bankrupt or insolvent. In such a situation the AMC may segregate the affected portion of the portfolio (create a segregated portfolio), and the money in that portion is paid only as and when it is recovered.
- Suspension of redemption: If a scheme faces a liquidity crisis, the AMC may suspend the redemption facility for the period permitted by the rules. During such a period you may not be able to take your money out.
- New Fund Offer (NFO) risks: A new scheme has no track record. Investments in an NFO carry price volatility risk, liquidity risk and, for schemes listed on an exchange, delisting risk.
- Price / Liquidity / Delisting risk: Schemes investing in listed securities may face liquidity constraints if certain securities cannot be sold at current market prices or face trading halts/delisting.
- Winding up of a scheme: A scheme can be wound up if its instruments turn illiquid, if redemption requests are very high, or on account of unforeseen market events. On winding up, the money is returned as the scheme's assets are sold, which can take time and may be at reduced values.
- Past performance is not indicative of future returns: The Net Asset Value (NAV) of a scheme moves up and down with the market. No return is assured, guaranteed or indicated by us or by any Mutual Fund, and no illustration shown by us assumes a return above 12% per annum.
- Match the Riskometer with your risk profile: Every scheme carries a Riskometer showing its risk level. Check it against your own risk profile before investing. We explain these risks to every customer at the first investment and again at every additional investment.
• Mutual Fund investments are subject to market risks. Read all scheme related documents carefully.
• Investments in securities market are subject to market risks. Read all the related documents carefully before investing.
4. Website Content Disclaimer
- The content on murpaniinvestments.com is for general information and educational purposes only — it does not constitute investment advice
- Information on this website is updated periodically but may not always reflect the most current market conditions or regulatory changes
- HERO MURPANI does not warrant the accuracy, completeness, or timeliness of any information on this website
- Any views, opinions, or market commentary on this website are the general views of HERO MURPANI and should not be construed as personalised advice
- Third-party links on this website are provided for convenience only — HERO MURPANI is not responsible for third-party content
5. Commission & Remuneration Disclosure
- HERO MURPANI receives trailing commission from AMCs on Regular Plan Mutual Fund investments — this is part of the scheme's TER and is not an additional charge to investors
- Exact commission details are available on our Commission Disclosure page at murpaniinvestments.com/commission-disclosure
- Commission earned on your investments is visible in your Consolidated Account Statement (CAS) from CAMS, KFintech, or MF Central
- All product recommendations are based on investor suitability — never on commission rates received
- HERO MURPANI does not receive any non-cash benefits, gifts, or incentives from AMCs that could create a conflict of interest
6. Grievance Redressal Officer (GRO)
For any complaints, queries, or grievances — contact our GRO:
7. Grievance Escalation Matrix
If not satisfied with our response, escalate in the following order:
9822554301
1800-270-7000
1800-266-7575
Conciliation & Arbitration
8. Regulatory Registration Details
| Registration | Details |
|---|---|
| AMFI ARN | ARN-35253 | Initial: 2005-10-22 | Valid Until: 2028-12-28 | Verify at amfiindia.com/find-mf-distributor |
| CIN | NA | Verify at mca.gov.in |
| APMI APRN | [Fill APMI APRN No.] | Verify at apmiindia.org |
| AMFI SIF Registration | ARN-35253 (SIF) | Verify at amfiindia.com |
9. Data Privacy
All personal data collected by HERO MURPANI is handled in accordance with our Privacy Policy (available at murpaniinvestments.com/privacy-policy) and the Digital Personal Data Protection Act 2023 (DPDPA 2023). Your data is never sold or shared with unauthorised third parties.
10. Limitation of Liability
- HERO MURPANI shall not be liable for any investment losses arising from market fluctuations or scheme performance
- HERO MURPANI shall not be liable for decisions made by investors based on general information or educational content on this website
- Our liability is limited to the specific service transaction in question, as permitted by applicable law
- This website and its content are provided "as is" without any warranty of any kind
11. Intellectual Property
All content on murpaniinvestments.com including text, graphics, logos, calculators, and design is the intellectual property of HERO MURPANI. Reproduction without written permission is prohibited. AMFI, SEBI, and AMC logos used on this website are the property of their respective owners and are used for informational purposes only.