Mandatory SEBI & AMFI Regulatory Warning
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance of mutual funds, asset management companies, or underlying indices does not guarantee or indicate future performance or returns. Net Asset Values (NAVs) fluctuate based on market movements, interest rates, and macroeconomic factors.
1. Nature of Advisory & Distribution Services
SIP Advisor operates as an independent financial planning and distribution platform. All mutual fund facilitation, systematic investment plans (SIPs), and insurance products are distributed in compliance with guidelines established by the Securities and Exchange Board of India (SEBI), the Association of Mutual Funds in India (AMFI), and the Insurance Regulatory and Development Authority of India (IRDAI).
The calculators, asset projections, portfolio allocation models, and content published on www.sipadvisor.co.in and www.sipadvisor.in are provided for informational, educational, and planning assistance only. They do not constitute guaranteed financial advice, tax opinions, legal advice, or an assurance of future corpus amounts.
2. No Guaranteed Returns or Capital Protection
Neither SIP Advisor nor any of its partners, associates, or employees guarantees any specific rate of return, capital protection, dividend payout, or minimum appreciation on any mutual fund, systematic investment plan, or financial asset. Capital invested in equity or hybrid instruments is subject to market fluctuations, and investors may receive less than their original principal upon redemption.
3. Zero Custody Liability
SIP Advisor maintains zero direct custody of investor funds. All financial transactions, automated bank debits (NACH / e-Mandates), and redemptions are routed directly between the investor's verified bank account and the respective SEBI-registered Asset Management Companies (AMCs) or IRDAI-regulated insurance institutions.
4. Commission & Remuneration Disclosures
In accordance with SEBI and AMFI circulars, SIP Advisor may receive permitted distribution trail commissions from Asset Management Companies (AMCs) for regular mutual fund schemes distributed through our platform. Such commissions are embedded within the scheme’s Total Expense Ratio (TER) and are disclosed in scheme information documents. Distribution commissions do not dictate portfolio recommendations, which are structured strictly on investor suitability and goal timelines.
5. Insurance Underwriting Disclaimer
Insurance is the subject matter of solicitation. Term life insurance, health insurance, and travel insurance policies featured on this website are underwritten by respective IRDAI-licensed insurance companies. The issuance of policies, acceptance of underwriting risk, and settlement of claims remain the sole responsibility of the respective insurer.
6. Limitation of Liability
SIP Advisor, its directors, employees, and affiliates shall not be held liable for any direct, indirect, incidental, or consequential losses, damages, or tax penalties arising out of the use of, or inability to use, the information, tools, calculators, or materials published on this website.