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SEBI Registered Investment Adviser · INA000023162 · Research Analyst · INH00000000

Build your wealth with a plan, not with tips.

Wealth is built slowly — by saving regularly, investing with a purpose and avoiding costly mistakes. We help you do all three, in plain language, for a fee you pay us directly.

Start an enquiry → See what it costs

Cash flow

Where does my money go?

Your income, spending and savings, laid out in plain numbers.

Goals

How much do I need?

A home, your children's education, retirement — each goal gets an amount and a date.

Investments

Am I invested right?

What you already own, checked for cost, overlap and risk.

Next steps

What do I do now?

A short, clear list of steps you carry out in your own accounts.

About us

Who we are

MyFinancial is a financial planning and investment advisory practice run by Nithin P, a SEBI Registered Investment Adviser (INA000023162) based in Palakkad, Kerala.

We help individuals and families — in India and abroad — plan their money: how much to save, where to invest, and how to reach goals like buying a home, educating children and retiring comfortably.

We are fee-only. You pay us a fee for advice, and that is the only money we earn. We do not sell mutual funds, insurance or any other product, and we take no commission from anyone — so the only side our advice can be on is yours.

Fee-only

You pay us. No one else does.

We earn nothing from any fund, policy or product we suggest. There is nothing for us to sell you.

In writing

Advice you can check

Every recommendation comes with the reason behind it, what it costs, and what could go wrong.

Your money stays with you

You stay in control

You invest in your own accounts. We never hold your money, place trades for you, or ask for passwords or OTPs.

What MyFinancial does

Advisory services offered

All services below are investment advisory services under the SEBI (Investment Advisers) Regulations, 2013. Advice is issued in writing, after risk profiling and a suitability assessment, and only after a signed advisory agreement is in place. Nothing here is a recommendation to any particular person.

01 — Financial plan

Plan & goal funding

A written plan built on your cash flow, net worth and dated goals, with the funding maths made explicit — required monthly investment, assumed return band, and what happens if the assumption is missed.

  • Cash-flow and net-worth statement
  • Goal-wise funding requirement
  • Emergency-fund and protection sizing

02 — Portfolio

Portfolio review & asset allocation

A line-by-line read of what you already hold: scheme overlap, cost, concentration, and the exit-load and tax consequence of any change — before a single switch is recommended.

  • Holdings X-ray and overlap
  • Target allocation with rebalancing bands
  • Regular-to-direct migration path, with tax impact

03 — Ongoing advice

Continuing investment advice

Periodic review and written advice on securities and mutual fund schemes held or proposed, with the rationale recorded each time. Direct (non-commission) plans are advised wherever they are available.

  • Scheduled reviews and rebalancing advice
  • Written rationale for every recommendation
  • No execution: you place every transaction yourself

04 — Tax

Tax-aware planning

Regime comparison, capital-gains and harvesting maths, and the timing of redemptions, framed around the investment advice. This is planning support, not a tax return and not a substitute for your chartered accountant.

  • Old vs new regime comparison
  • Capital-gains and set-off planning
  • Coordination with your CA on filings

05 — NRI

NRI advisory

Advice for non-resident clients on residency-linked taxation, account structure, repatriation limits and the securities they may and may not hold, within the scope of SEBI-regulated investment advice.

  • Residency and DTAA-aware planning
  • NRE / NRO / FCNR account structure
  • Repatriation and reporting checklist
Scope of regulation Investment advice relating to securities falls under the purview of SEBI. Where a service touches products or matters that are not securities — insurance, bank deposits, real estate, income-tax filing or foreign assets — those products and MyFinancial's services in respect of them do not come under the regulatory purview of SEBI, and no recourse is available with SEBI for grievances relating to them. This is disclosed again in the advisory agreement and in the Most Important Terms and Conditions.

Research services

Research offered as a SEBI Registered Research Analyst

Research services are provided under the SEBI (Research Analysts) Regulations, 2014 under registration number INH00000000. Research is a separate service from investment advice: a research report is a view on a security, published to subscribers, and is not tailored to any individual subscriber's risk profile or circumstances.

R1 — Reports

Company research reports

Written research on listed Indian companies, stating the basis of the view, the assumptions behind it, the time horizon and the risks to the view.

R2 — Screens

Rule-based research notes

Periodic notes explaining the rules behind published screens and what changed in the underlying data, with every figure traceable to its source.

R3 — Model portfolio

Model portfolio

Where a model portfolio is published, it follows the guidelines at Annexure A of the SEBI Master Circular for Research Analysts, including disclosure of the rationale, the basis of selection and the performance record.

Research disclosures Every research report carries the disclosures required by Regulation 19 of the RA Regulations — the analyst's and relatives' financial interest and holdings in the subject security, any actual or potential conflict of interest, compensation received, and whether the analyst has managed or co-managed a public offering of the subject company. Research recommendations do not provide any assurance of returns; there is no recourse to claim losses incurred on investments made on the basis of a research report.

What it costs

Fees

One stated fee, paid by you, agreed in writing before any work begins — and nothing else earned from your money.

Resident individual

Comprehensive financial plan

₹19,999 one-time

  • A written financial plan built on your cash flow, net worth and dated goals, with the funding arithmetic shown
  • A review of your existing portfolio — schemes, stocks, overlap, cost, and the exit-load and tax consequence of any change
  • Target asset allocation with rebalancing bands
  • An implementation-ready action list that you execute in your own accounts

Non-resident (NRI)

Comprehensive financial plan

₹29,999 one-time

  • Everything in the resident plan — written plan, portfolio review, allocation and action list
  • Residency-linked taxation and the securities you may and may not hold as a non-resident
  • NRE / NRO / FCNR account structure, repatriation limits and the reporting checklist
  • DTAA-aware planning, coordinated with your tax adviser in either country

Both are one-time engagements: you pay once, you receive the plan and the review, and you owe nothing further. Continuing advice is optional and separately agreed — ongoing advisory fee on request.

SEBI limit — fixed fee mode
₹1,51,000 per annum per family of client (individual and HUF clients). The fees above are well inside this limit.
SEBI limit — AUA mode
2.5% of Assets under Advice per annum per family of client (individual and HUF clients), if an AUA-based engagement is agreed.
Limits — what is excluded
The limits exclude statutory charges, apply only to advice on securities under SEBI's purview, and do not apply to non-individual clients or accredited investors.
Advance fees
Advance fees may be charged if you agree, for a maximum of one year. On premature termination by either side, the proportionate fee for the unexpired period is refunded, less a breakage fee that cannot exceed one quarter's fee.
Research service fees (RA)
Capped at ₹1,51,000 per annum per family of client for all research services, excluding statutory charges. Advance fees for research services cannot exceed one quarter.
Accepted payment modes
Account-payee crossed cheque or demand draft, or direct credit by NEFT, RTGS, IMPS or UPI. Cash is never accepted.
Validated UPI ID
nithinp.ia@valid____ — SEBI-registered intermediaries collect payments on UPI IDs carrying the exclusive @valid handle, shown with a thumbs-up-in-a-green-triangle icon. Verify the payee before paying using the SEBI Check facility on sebi.gov.in.
CeFCoM
You may optionally pay through the Centralised Fee Collection Mechanism for IAs and RAs, operated by BSE Limited.
What is never asked for
Funds or securities for investment, custody of your assets, your trading, demat or bank login credentials, or an OTP. MyFinancial will never ask for any of these.

No free trial is offered for any service, and part payment of fees is not accepted, in line with the SEBI Master Circular for Investment Advisers. Payment of a fee does not create any assurance of return or of profit.

How it works

From enquiry to written advice

The sequence below is fixed. No advice is given before the risk profile is complete and you have confirmed it.

  1. Enquiry and scope

    A first conversation on what you need, what it will cost and what is out of scope. No advice is given at this stage and no part payment is taken.

  2. KYC and agreement

    KYC through a SEBI-registered KYC Registration Agency, followed by the investment advisory agreement and your consent to the Most Important Terms and Conditions.

  3. Risk profiling

    A documented risk profile based on your income, age, experience and capacity for loss. Your consent on the completed profile is recorded before anything is advised.

  4. Written advice

    Advice issued in writing against that profile, with the rationale, the costs, the risks and the suitability assessment recorded.

  5. Execution — by you

    You transact yourself, in your own accounts. MyFinancial does not execute trades, does not hold your funds or securities, and has no power of attorney.

  6. Review and records

    Periodic review, updated advice, and records of every interaction and recommendation retained for inspection and for the annual compliance audit.

Get in touch

Start an enquiry

Tell us what you are trying to solve. You will get a reply from Nithin P setting out what the engagement would cover, what it costs and what falls outside it. An enquiry is not an engagement — no advice is given before KYC, a signed agreement and a completed risk profile.

Your details are stored only to answer this enquiry and are never sold or shared for marketing. MyFinancial will never ask you for your trading, demat or bank login credentials, for an OTP, or for funds or securities to be transferred to it. You may ask for your enquiry record to be deleted at any time by writing to nithinp90@gmail.com.

Registration

Registration and regulatory particulars

Displayed as required by paragraph 1(xvii) of the SEBI Master Circular for Investment Advisers dated 06 February 2026.

Name as registered with SEBI
NITHIN P
Type of registration
Individual — Investment Adviser and Research Analyst
SEBI registration number
INA000023162
SEBI registration number (RA)
INH00000000 · valid from DD Mon YYYY — Perpetual
Validity of registration
07 September 2026 — Perpetual
Enlistment with IAASB (BSE Limited)
Membership no. BASL/IAASB no.
Enlistment with RAASB (BSE Limited)
Membership no. RAASB no.
Registered address
Krishna H, Thathamangalam, Palakkad, Kerala — 678102, India
Telephone
+91 95449 27559
Email
nithinp90@gmail.com
Principal Officer
Nithin P · +91 95449 27559 · nithinp90@gmail.com
Compliance Officer
Nithin P · nithinp90@gmail.com
Corresponding SEBI office
Southern Regional Office, Securities and Exchange Board of India, 7th Floor, 756-L, Anna Salai, Chennai — 600002, Tamil Nadu · +91-44-28880222 / 28526686 · sebisro@sebi.gov.in

Registration can be verified on the SEBI list of registered Investment Advisers at sebi.gov.in. Research Analyst registration can be verified on the corresponding SEBI list of Research Analysts.

Mandatory disclosures

Disclosures

Made under the SEBI (Investment Advisers) Regulations, 2013 and the SEBI Master Circular for Investment Advisers dated 06 February 2026.

Conflict of interest

No distribution, no commission

MyFinancial provides investment advice only. It does not distribute securities or mutual fund schemes and receives no commission, brokerage, trail, referral fee or incentive from any product manufacturer, platform or intermediary. Its only revenue is the fee paid by the client.

Direct (non-commission) plans are advised wherever they are available. Any conflict of interest that could affect the services rendered is disclosed to the client promptly and in writing.

Client-level segregation

Advisory and distribution are not mixed

As required by Regulation 22(5), a client who takes advisory services will not be provided distribution services by MyFinancial or by any person in its group or family, and the client's family members will not be provided distribution services either. An annual certificate confirming compliance with client-level segregation is obtained and forms part of the compliance audit.

Holdings and personal dealing

Personal interest in advised securities

The Investment Adviser and immediate relatives may hold securities or schemes that are also the subject of advice. Where that is the case, the holding and any actual or potential conflict is disclosed to the client at the time the advice is given. No advice is issued to benefit a personal position.

Artificial intelligence

Extent of AI use

Software and AI tools are used for data processing, document drafting and the computation of published figures. Every recommendation is reviewed, decided and issued by the Principal Officer. No advice is generated or sent autonomously, and client data is not used to train third-party models.

Annual compliance audit

Status of the compliance audit report

Compliance audit under Regulation 19(3) for the financial year ended 31 March 2026: status to be updated. Adverse findings, if any, and the action taken on them are published here together with the status.

Adverse findings to date: nil / to be updated.

Advertisements

Advertisement code

All communications that may influence an investment decision — this website, posts, newsletters, videos and messages — follow the Advertisement Code for Investment Advisers. No performance claim, projection, testimonial, ranking, award reference or superlative is used, and copies of advertisements are retained for five years.

Assured returns

No guarantees of any kind

Assured, guaranteed or fixed-return schemes are prohibited by law and are never offered. MyFinancial does not guarantee returns, profits, accuracy or risk-free investment. All advice is subject to market risk.

Past performance

No performance claims are published

No return, risk or performance figure for any advice given by MyFinancial appears on this website or in any advertisement. Until risk and return metrics verified by the Past Risk and Return Verification Agency (PaRRVA) are available, SEBI permits past performance data to be given only to a client or a prospective client, one to one, on that person's specific request, certified by a member of ICAI or ICMAI, and carrying the disclaimer SEBI prescribes. It may not be put before the general public through any medium, including this site.

Client information

Confidentiality and data

Client information is used only to provide the advisory service and to meet legal and regulatory obligations, and is not sold or shared for marketing. Records of advice, interactions and KYC are retained for the periods SEBI prescribes and are available for inspection and audit.

Standard warning Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer Registration granted by SEBI, enlistment with BSE and certification from NISM in no way guarantee performance of the IA or provide any assurance of returns to investors.
Disclaimer Registration granted by SEBI, enlistment with BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Most Important Terms and Conditions

MITC — Investment Advisory

Standardised by the Industry Standards Forum in consultation with SEBI and IAASB, and forming part of the investment advisory agreement. Reproduced in full from Annexure B of the SEBI Master Circular for Investment Advisers — open the panel to read it.

Most Important Terms and Conditions — Investment Advisory 15 clauses · Annexure B
  1. The Investment Adviser (IA) shall only accept payments towards its fees for Investment Advisory Services and is not permitted to accept funds or securities in its account on the client's behalf.
  2. The IA does not guarantee returns, accuracy, or risk-free investments. All advice is subject to market risks, and there is no assurance of any returns or profits.
  3. Any assured / guaranteed / fixed returns schemes or any other schemes of similar nature are prohibited by law. No scheme of this nature shall be offered to the client by the IA.
  4. Investment advice, only related to securities shall fall under the purview of SEBI. In case of any services offered by IA related to products / services not under the purview of SEBI, IA shall make disclosure to the client and take appropriate declaration and undertaking from the client that such products / services and the services of IA in respect of such products / services do not come under regulatory purview of SEBI and that no recourse is available to the client with SEBI for grievances related to such products / services or services of IA in respect of such products / services.
  5. This agreement is for the investment advisory services provided by the IA and IA cannot execute / carry out any trade (purchase / sell transaction) on behalf of the client without his / her / its specific and positive consent on every trade. Thus, the client is advised not to permit IA to execute any trade on his / her / its behalf without explicit consent.
  6. The fee charged by IA to the client will be subject to the maximum of amount prescribed by SEBI / Investment Adviser Administration and Supervisory Body (IAASB) from time to time (applicable only for Individual and HUF Clients).
    • The current fee limit under Fixed Fee mode is ₹1,51,000 per annum per family of client. Under Assets under Advice (AUA) mode, maximum fee limit is 2.5 per cent of AUA per annum per family of client.
    • The IA may change the fee mode at any time with the client's consent; however, the maximum fee limit in such cases shall be higher of fee limit under the fixed fee mode or 2.5 per cent of AUA per annum per family of client.
    • The fee limits do not include statutory charges.
    • The fee limits apply only for investment advice related to securities under purview of SEBI.
    • The fee limits do not apply to a non-individual client / accredited investor.
  7. IA may charge fees in advance if agreed by the client. Such advance shall not exceed the period stipulated by SEBI; presently it is maximum one year. In case of premature termination of the IA services by the client or the IA, the client shall be entitled to seek refund of proportionate fees only for unexpired period. However, IA is entitled to retain a maximum breakage fee of not greater than one-quarter fee.
  8. Fees to IA may be paid by the client through any of the specified modes like cheque, online bank transfer, UPI, etc. Cash payment is not allowed. Optionally the client can make payments through Centralized Fee Collection Mechanism (CeFCoM), managed by BSE Limited (i.e. currently recognized IAASB).
  9. The IA is expected to know the client's financial details for providing services. Hence, the client is required to share the financial information (e.g. income, existing investments, liabilities, etc.) with the IA.
  10. The IA is required to carry out the client's risk profiling and suitability analysis before providing services and thereafter on an ongoing basis. The services provided will be in line with the assessed risk profile. IA shall also communicate the assessed risk profile to the client.
  11. As part of conflict of interest management, the client or the client's family members will not be provided any distribution services by IA or any of its group entity / family members. IA shall, wherever available, advice direct plans (non-commission based) of products only. The IA shall endeavor to promptly inform the client of any conflict of interest that may affect the services being rendered to the client.
  12. For any grievances —
    • Step 1: The client should first contact the IA using the details on its website or the contact details in the grievance redressal and escalation matrix below.
    • Step 2: If the resolution provided by IA is unsatisfactory, the client can lodge grievances through SEBI's SCORES platform at scores.sebi.gov.in.
    • Step 3: If the client remains dissatisfied with the outcome of the SCORES complaint, the client may consider the Online Dispute Resolution (ODR) through the Smart ODR portal at smartodr.in.
  13. The SEBI registration, enlistment with IAASB, and NISM certification do not guarantee the performance of IA or assure returns to the client.
  14. Clients are required to keep contact details, including email id and mobile number/s updated with the IA at all times.
  15. The IA shall never ask for the client's login credentials and OTPs for the client's Trading Account, Demat Account and Bank Account. Never share such information with anyone including IA.
Source — Annexure B, SEBI Master Circular for Investment Advisers, 06 February 2026 (MITC notified by Circular SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/19 dated 17 February 2025)

Most Important Terms and Conditions

MITC — Research Services

Standardised by the Industry Standards Forum in consultation with SEBI and RAASB, and disclosed to every research client before any service is rendered or any fee is charged.

Most Important Terms and Conditions — Research Services 12 clauses · Annexure B ¶12
  1. These terms and conditions, and consent thereon are for the research services provided by the Research Analyst (RA) and RA cannot execute / carry out any trade (purchase / sell transaction) on behalf of, the client. Thus, the clients are advised not to permit RA to execute any trade on their behalf.
  2. The fee charged by RA to the client will be subject to the maximum of amount prescribed by SEBI / Research Analyst Administration and Supervisory Body (RAASB) from time to time (applicable only for Individual and HUF Clients). The current fee limit is ₹1,51,000 per annum per family of client for all research services of the RA. The fee limit does not include statutory charges. The fee limits do not apply to a non-individual client / accredited investor.
  3. RA may charge fees in advance if agreed by the client. Such advance shall not exceed the period stipulated by SEBI; presently it is one quarter. In case of premature termination of the RA services by either the client or the RA, the client shall be entitled to seek refund of proportionate fees only for unexpired period.
  4. Fees to RA may be paid by the client through any of the specified modes like cheque, online bank transfer, UPI, etc. Cash payment is not allowed. Optionally the client can make payments through Centralized Fee Collection Mechanism (CeFCoM) managed by BSE Limited (i.e. currently recognized RAASB).
  5. The RA is required to abide by the applicable regulations / circulars / directions specified by SEBI and RAASB from time to time in relation to disclosure and mitigation of any actual or potential conflict of interest. The RA will endeavor to promptly inform the client of any conflict of interest that may affect the services being rendered to the client.
  6. Any assured / guaranteed / fixed returns schemes or any other schemes of similar nature are prohibited by law. No scheme of this nature shall be offered to the client by the RA.
  7. The RA cannot guarantee returns, profits, accuracy, or risk-free investments from the use of the RA's research services. All opinions, projections, estimates of the RA are based on the analysis of available data under certain assumptions as of the date of preparation / publication of research report.
  8. Any investment made based on recommendations in research reports are subject to market risks, and recommendations do not provide any assurance of returns. There is no recourse to claim any losses incurred on the investments made based on the recommendations in the research report. Any reliance placed on the research report provided by the RA shall be as per the client's own judgement and assessment of the conclusions contained in the research report.
  9. The SEBI registration, Enlistment with RAASB, and NISM certification do not guarantee the performance of the RA or assure any returns to the client.
  10. For any grievances — Step 1: contact the RA using the details on this website or in the escalation matrix. Step 2: if the resolution is unsatisfactory, lodge the grievance through SEBI's SCORES platform at scores.sebi.gov.in. Step 3: the client may also consider the Online Dispute Resolution (ODR) through the Smart ODR portal at smartodr.in.
  11. Clients are required to keep contact details, including email id and mobile number/s updated with the RA at all times.
  12. The RA shall never ask for the client's login credentials and OTPs for the client's Trading Account, Demat Account and Bank Account. Never share such information with anyone including RA.
Source — Annexure B (clause 12), SEBI Master Circular for Research Analysts, 06 February 2026

Investor Charter

Investor Charter in respect of Investment Advisers

Published as required by the SEBI Master Circular for Investment Advisers, reproduced in full from Annexure F. Open the charter, then open any part of it — everything stays on this page.

Investor Charter in respect of Investment Advisers 6 parts · Annexure F
A. Vision and Mission Statements for investors

Vision — Invest with knowledge & safety.

Mission — Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

B. Details of business transacted by the Investment Adviser with respect to the investors
  • To enter into an agreement with the client providing all details including fee details, aspects of conflict of interest disclosure and maintaining confidentiality of information.
  • To do a proper and unbiased risk-profiling and suitability assessment of the client.
  • To conduct audit annually.
  • To disclose the status of complaints on its website.
  • To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI Office details (i.e. Head office / regional / local Office) on its website.
  • To employ only qualified and certified employees.
  • To deal with clients only from official number.
  • To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.
  • To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Investment Advisers.
  • Not to discriminate in terms of services provided, among clients opting for same / similar products / services offered by investment adviser.
C. Details of services provided to investors (no indicative timelines)
  • Onboarding of clients — sharing of agreement copy; completing KYC of clients.
  • Disclosure to clients — to provide full disclosure about its business, affiliations and compensation in the agreement; to not access the client's accounts or holdings for offering advice; to disclose the risk profile to the client; to disclose any conflict of interest of the investment advisory activities with any other activities of the investment adviser; to disclose the extent of use of Artificial Intelligence tools in providing investment advisory services.
  • To provide investment advice to the client based on the risk-profiling of the clients and suitability of the client.
  • To treat all advisory clients with honesty and integrity.
  • To make adequate disclosure to the investor of all material facts such as risks, obligations, costs, etc. relating to the products or securities advised by the adviser.
  • To provide clear guidance and adequate caution notice to clients when providing investment advice for dealing in complex and high-risk financial products / services.
  • To ensure confidentiality of information shared by clients unless such information is required to be provided in furtherance of discharging legal obligations or a client has provided specific consent to share such information.
  • To disclose the timelines for the various services provided by the investment adviser to clients and ensure adherence to the said timelines.
D. Details of grievance redressal mechanism and how to access it
  • With the Investment Adviser — in case of any grievance or complaint, an investor may approach the concerned Investment Adviser who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.
  • On SCORES or with IAASB — SCORES 2.0, a web-based centralised grievance redressal system of SEBI for facilitating effective grievance redressal in a time-bound manner (scores.sebi.gov.in). There is a two-level review for a complaint against an investment adviser: first review by the designated body (IAASB), second review by SEBI. A complaint may also be emailed to the designated email ID of IAASB.
  • SMART ODR — if the investor is not satisfied with the resolution provided by the market participant, the investor has the option to file the complaint or grievance on the SMARTODR platform for resolution through online conciliation or arbitration (smartodr.in).
  • Physical complaints — Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (East), Mumbai — 400 051.
E. Rights of investors
  • Right to privacy and confidentiality.
  • Right to transparent practices.
  • Right to fair and equitable treatment.
  • Right to adequate information.
  • Right to initial and continuing disclosure — right to receive information about all the statutory and regulatory disclosures.
  • Right to fair and true advertisement.
  • Right to awareness about service parameters and turnaround times.
  • Right to be informed of the timelines for each service.
  • Right to be heard and satisfactory grievance redressal; right to have timely redressal.
  • Right to suitability of the financial products.
  • Right to exit from a financial product or service in accordance with the terms of agreement with the investment adviser.
  • Right to receive clear guidance and caution notice when dealing in complex and high-risk financial products and services.
  • Additional rights to vulnerable consumers — right to get access to services in a suitable manner even if differently abled.
  • Right to provide feedback on the financial products and services used.
  • Right against coercive, unfair, and one-sided clauses in financial agreements.
F. Expectations from the investors (responsibilities of investors)

Do's

  1. Always deal with SEBI registered Investment Advisers.
  2. Ensure that the Investment Adviser has a valid registration certificate.
  3. Check for SEBI registration number. Refer to the list of all SEBI registered Investment Advisers available on the SEBI website.
  4. Pay only advisory fees to your Investment Adviser. Make payments of advisory fees through banking channels only and maintain duly signed receipts mentioning the details of your payments. You may make payment of advisory fees through the Centralised Fee Collection Mechanism (CeFCoM) of IAASB if the investment adviser has opted for the mechanism.
  5. Always ask for your risk profiling before accepting investment advice. Insist that the Investment Adviser provides advisory strictly on the basis of your risk profiling and takes into account available investment alternatives.
  6. Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
  7. Assess the risk–return profile of the investment as well as the liquidity and safety aspects before making investments.
  8. Insist on getting the terms and conditions in writing duly signed and stamped. Read these terms and conditions carefully, particularly regarding advisory fees, advisory plans and category of recommendations, before dealing with any Investment Adviser.
  9. Be vigilant in your transactions.
  10. Approach the appropriate authorities for redressal of your doubts / grievances.
  11. Inform SEBI about Investment Advisers offering assured or guaranteed returns.
  12. Always be aware that you have the right to exit the service of an Investment Adviser.
  13. Always be aware that you have the right to seek clarifications and clear guidance on advice.
  14. Always be aware that you have the right to provide feedback to the Investment Adviser in respect of services received.
  15. Always be aware that you will not be bound by any clause, prescribed by the investment adviser, which is contravening any regulatory provisions.

Don'ts

  1. Don't fall for stock tips offered under the pretext of investment advice.
  2. Do not provide funds for investment to the Investment Adviser.
  3. Don't fall for the promise of indicative or exorbitant or assured returns by the Investment Advisers. Don't let greed overcome rational investment decisions.
  4. Don't fall prey to luring advertisements or market rumors.
  5. Avoid doing transactions only on the basis of phone calls or messages from any Investment Adviser or its representatives.
  6. Don't take decisions just because of repeated messages and calls by Investment Advisers.
  7. Do not fall prey to limited period discount or other incentive, gifts, etc. offered by Investment Advisers.
  8. Don't rush into making investments that do not match your risk taking appetite and investment goals.
  9. Do not share login credential and password of your trading, demat or bank accounts with the Investment Adviser.
Source — Annexure F, SEBI Master Circular for Investment Advisers, 06 February 2026

Investor Charter

Investor Charter for Research Analysts

Published as required by the SEBI Master Circular for Research Analysts, reproduced in full from Annexure D. Open the charter, then open any part of it.

Investor Charter for Research Analysts 6 parts · Annexure D
A. Vision and Mission Statements for investors

Vision — Invest with knowledge & safety.

Mission — Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

B. Details of business transacted by the Research Analyst with respect to the investors
  • To publish research report based on the research activities of the RA.
  • To provide an independent unbiased view on securities.
  • To offer unbiased recommendation, disclosing the financial interests in recommended securities.
  • To provide research recommendation, based on analysis of publicly available information and known observations.
  • To conduct audit annually.
  • To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Research Analysts.
  • To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to the research services has taken place.
C. Details of services provided to investors (no indicative timelines)
  • Onboarding of clients — sharing of terms and conditions of research services; completing KYC of fee paying clients.
  • Disclosure to clients — to disclose information that is material for the client to make an informed decision, including details of its business activity, disciplinary history, the terms and conditions of research services, details of associates, risks and conflicts of interest, if any; to disclose the extent of use of Artificial Intelligence tools in providing research services; to disclose, while distributing a third party research report, any material conflict of interest of such third party research provider or provide a web address that directs a recipient to the relevant disclosures; to disclose any conflict of interest of the activities of providing research services with other activities of the research analyst.
  • To distribute research reports and recommendations to the clients without discrimination.
  • To maintain confidentiality with respect to publication of the research report until made available in the public domain.
  • To respect data privacy rights of clients and take measures to protect unauthorized use of their confidential information.
  • To disclose the timelines for the services provided by the research analyst to clients and ensure adherence to the said timelines.
  • To provide clear guidance and adequate caution notice to clients when providing recommendations for dealing in complex and high-risk financial products / services.
  • To treat all clients with honesty and integrity.
  • To ensure confidentiality of information shared by clients unless such information is required to be provided in furtherance of discharging legal obligations or a client has provided specific consent to share such information.
D. Details of grievance redressal mechanism and how to access it
  • With the Research Analyst — in case of any grievance or complaint, an investor may approach the concerned Research Analyst who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.
  • On SCORES or with RAASB — SCORES 2.0 (scores.sebi.gov.in), with a two-level review — first review by the designated body (RAASB), second review by SEBI. A complaint may also be emailed to the designated email ID of RAASB.
  • SMART ODR — if not satisfied with the resolution provided, the investor may file the complaint on the SMARTODR platform for resolution through online conciliation or arbitration (smartodr.in).
  • Physical complaints — Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (East), Mumbai — 400 051.
E. Rights of investors
  • Right to privacy and confidentiality; right to transparent practices; right to fair and equitable treatment; right to adequate information.
  • Right to initial and continuing disclosure — right to receive information about all the statutory and regulatory disclosures.
  • Right to fair and true advertisement; right to awareness about service parameters and turnaround times; right to be informed of the timelines for each service.
  • Right to be heard and satisfactory grievance redressal; right to have timely redressal.
  • Right to exit from a financial product or service in accordance with the terms and conditions agreed with the research analyst.
  • Right to receive clear guidance and caution notice when dealing in complex and high-risk financial products and services.
  • Additional rights to vulnerable consumers — right to get access to services in a suitable manner even if differently abled.
  • Right to provide feedback on the financial products and services used; right against coercive, unfair, and one-sided clauses in financial agreements.
F. Expectations from the investors (responsibilities of investors)

Do's

  1. Always deal with SEBI registered Research Analyst.
  2. Ensure that the Research Analyst has a valid registration certificate.
  3. Check for SEBI registration number. Refer to the list of all SEBI registered Research Analysts available on the SEBI website.
  4. Always pay attention towards disclosures made in the research reports before investing.
  5. Pay your Research Analyst through banking channels only and maintain duly signed receipts mentioning the details of your payments. You may make payment of fees through the Centralised Fee Collection Mechanism (CeFCoM) of RAASB if the research analyst has opted for the mechanism (applicable for fee paying clients only).
  6. Before buying / selling securities or applying in a public offer, check for the research recommendation provided by your Research Analyst.
  7. Ask all relevant questions and clear your doubts with your Research Analyst before acting on a recommendation.
  8. Seek clarifications and guidance on research recommendations from your Research Analyst, especially if it involves complex and high risk financial products and services.
  9. Always be aware that you have the right to stop availing the service of a Research Analyst as per the terms of service agreed between you and your Research Analyst.
  10. Always be aware that you have the right to provide feedback to your Research Analyst in respect of the services received.
  11. Always be aware that you will not be bound by any clause, prescribed by the research analyst, which is contravening any regulatory provisions.
  12. Inform SEBI about Research Analyst offering assured or guaranteed returns.

Don'ts

  1. Do not provide funds for investment to the Research Analyst.
  2. Don't fall prey to luring advertisements or market rumors.
  3. Do not get attracted to limited period discount or other incentive, gifts, etc. offered by Research Analyst.
  4. Do not share login credential and password of your trading, demat or bank accounts with the Research Analyst.
Source — Annexure D, SEBI Master Circular for Research Analysts, 06 February 2026

If something goes wrong

Grievance redressal and escalation matrix

Every complaint is acknowledged on receipt and redressed as soon as possible, and in any case not later than 21 days from the date it is received.

Escalation matrix
Level Contact Address / platform Email Telephone Turnaround
1 — Investment Adviser / Research Analyst Nithin P, Principal Officer and Compliance Officer Krishna H, Thathamangalam, Palakkad, Kerala — 678102 nithinp90@gmail.com +91 95449 27559 Acknowledged on receipt; redressed not later than 21 days
2 — SEBI SCORES 2.0 SEBI Complaint Redress System; first review by IAASB / RAASB, second review by SEBI scores.sebi.gov.in — Toll free 1800 22 7575 / 1800 266 7575 As specified on SCORES
3 — Smart ODR Online conciliation or arbitration, if the SCORES outcome is unsatisfactory smartodr.in — — As specified on the ODR portal
4 — Physical complaint to SEBI Office of Investor Assistance and Education, SEBI SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (East), Mumbai — 400 051 — — As advised by SEBI

Corresponding SEBI office for this adviser: Southern Regional Office, SEBI, 7th Floor, 756-L, Anna Salai, Chennai — 600002 · +91-44-28880222 / 28526686 · sebisro@sebi.gov.in. A grievance relating to non-receipt of a research report, missing pages or inability to download a report, or any other deficiency in research services, is resolved within 7 business working days.

Dear Investor,

In case of any grievance / complaint against the investment adviser:

  • Please contact the Compliance Officer of the investment adviser, Nithin P, Krishna H, Thathamangalam, Palakkad, Kerala — 678102, email nithinp90@gmail.com, phone +91-9544927559.
  • You may also approach the Proprietor, Nithin P, email nithinp90@gmail.com, phone +91-9544927559.
  • If not satisfied with the response of the investment adviser you can lodge your grievances with SEBI at scores.sebi.gov.in or you may also write to any of the offices of SEBI. For any queries, feedback or assistance, please contact SEBI Office on Toll Free Helpline at 1800 22 7575 / 1800 266 7575.
Text prescribed by the SEBI Master Circular for Investment Advisers (redressal of investor grievances through SCORES and the ODR platform)

Investor complaints

Complaint status and disposal

Disclosed in the format at Annexure C of the SEBI Master Circular for Investment Advisers and updated by the 7th of each succeeding month. The last six months of the trend are shown below; every month since registration is available under "all months".

Investor complaint status

Data for the month ending — 30 September 2026
Annexure C format · SEBI Master Circular for Investment Advisers
Sr. No. Received from Pending at the end of last month Received Resolved Total Pending Pending complaints > 3 months Average Resolution time (in days)
1Directly from Investors000000
2SEBI (SCORES)000000
3Other Sources (if any)000000
Grand Total000000

Number of complaints received during the month against the Investment Adviser due to impersonation by some other entity: 0. Registration as an Investment Adviser was granted on 07 September 2026, so September 2026 is the first reporting month.

Inclusive of complaints of previous months resolved in the current month. Inclusive of complaints pending as on the last day of the month. Average resolution time is the sum total of time taken to resolve each complaint in days, in the current month, divided by the total number of complaints resolved in the current month. The monthly and annual trend tables follow below.

Trend of monthly disposal of complaints — last 6 months
Sr. No. Month Carried forward from previous month Received Resolved Pending
1September 20260000
Total (shown months)0000
All months since registration (September 2026 onwards)
Trend of monthly disposal of complaints — every month since registration
Sr. No. Month Carried forward from previous month Received Resolved Pending
1September 20260000
Grand Total0000
Trend of annual disposal of complaints
Sr. No. Year Carried forward from previous year Received Resolved Pending
12026-27 (from 07 September 2026)0000
Grand Total0000

Inclusive of complaints of previous months resolved in the current month. Inclusive of complaints pending as on the last day of the month.