Disclaimer

Our regulatory status

ALT Invest is an AMFI-registered mutual fund distributor, registration number ARN-278288, and a licensed insurance distributor. We are not a SEBI-registered Investment Adviser, a Research Analyst, a Portfolio Manager, or a bank. Distribution and advice are separate, regulated activities in India, and this site describes our distribution services only.

What this means in practice

We help you select from and transact in mutual fund schemes and insurance policies available on our distribution shelf, and we earn commission from the AMCs and insurers whose products you hold through us. We are not obligated to, and generally do not, recommend the entire universe of available products — we recommend from what we distribute. Where our shelf does not have a good fit for your need, we will say so.

Mutual funds

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance of a scheme is not indicative of future returns. The value of investments can go down as well as up. Any illustration, projection or example on this site or in our communications is for understanding only and is not a promise of future performance.

Specialized Investment Funds (SIF)

SIFs are a SEBI-regulated category distinct from mutual funds, generally carrying higher minimum investment, different liquidity terms, and strategies that can be more concentrated or use techniques not available to traditional mutual funds. SIFs are not suitable for every investor and are recommended only where eligibility and suitability criteria are met.

Insurance

Insurance is the subject matter of solicitation. We are a distributor and earn commission from insurers on policies placed through us. Please read the policy wording, terms, exclusions and the claim process carefully before purchase. We do not guarantee claim outcomes; claims are assessed and settled by the insurer under the policy terms.

How we are paid

Our revenue is primarily commission paid by AMCs and insurers on the products you hold or purchase through us. We do not charge investors a separate advisory or planning fee unless we have agreed one with you in writing for a specific, defined engagement outside of distribution. Commission rates vary by product and AMC/insurer, and we will disclose the applicable commission on request or when recommending a specific product.

No personalised investment advice

Nothing on this site, in our marketing, or in a general conversation with us constitutes personalised investment advice in the regulated sense. Product suitability discussions happen in the context of a distribution relationship and KYC-verified client, not as generic recommendations to the public.

Third-party links

This site links to our sister publication, PlanRetirement.in, and to AMC, insurer and regulator websites. We are not responsible for the content or accuracy of third-party sites.

Contact

Questions about this disclaimer or our regulatory status can be sent to hello@altinvest.in.