the honest fine print.

what kind of professional i am

Specifically: an AMFI Registered Mutual Fund Distributor (MFD). Not a SEBI Registered Investment Adviser (RIA). The two are different licences with different rules.

• An RIA can charge you advisory fees. They cannot earn distribution commission on what they advise.
• An MFD earns commission from AMCs on what's distributed. They cannot charge you advisory fees. They distribute and "facilitate" — not "advise" in the SEBI-specific sense.

I'm the second. When I help you decide between two ELSS funds, I am — in regulatory language — facilitating an informed decision, not advising. The practical effect for you is identical: you get a recommendation. The legal effect for me is: I cannot bill you a fee.

what you'll never pay us

• No advisory fee. Period. Not now, not later, not for "premium service".
• No subscription, no platform fee, no joining fee.
• No hidden add-ons. Nothing is loaded on top of your investment or premium because you came through us. Mutual fund expenses are capped by SEBI; insurance pricing is regulated by IRDAI — the same product costs you the same whether you buy it through me or anywhere else in the regular plan.
• You can always ask what I earn on any specific product I distribute. AMFI's code entitles you to that answer, one-on-one, before you decide — and I'll give it plainly.
• You can buy direct. Every mutual fund has a "direct plan" with a lower expense ratio — but you do the paperwork, KYC, scheme selection, tracking and rebalancing yourself. Some people want that. Most don't. If you do, I'll point you the right way.

what we don't do

• No guaranteed returns. Anyone promising you "assured" market returns is breaking the rules. Mutual fund investments are subject to market risks — full stop.
• No stock tips, no trading calls. I'm not a research analyst and don't run a trading desk.
• No product pushed because it pays more. If I ever recommend an insurance-plus-investment product, you're entitled to ask: "why this over a term plan + SIP?" I'll answer plainly.
• No pressure tactics, no FOMO marketing. No "last day" countdowns, no fake scarcity, no misleading claims on social media. What we publish follows AMFI's advertising and communication norms.
• No misuse of your data. Your information is handled per the DPDP Act 2023 — see our privacy policy.

stocks & partner platforms

I'm not a stock broker or a research analyst — I don't pick stocks or run a trading desk. To invest in shares, ETFs or IPOs, I introduce you to registered partner platforms (currently Angel One). Indushree Taxease Consultancy Private Limited is a registered business partner / authorised person of these platforms and may earn a referral benefit when you open an account through our link.

There is no extra cost to you for opening through us — you pay the platform's standard charges either way. This is an introduction, not investment advice: your account, KYC and any trades happen on the platform's own app, under their terms. You can see these links on the partners page. Investments in securities are subject to market risk.

my conflict-of-interest position

The honest concern with any distribution model: in theory, a distributor could push the product that suits them instead of the one that suits you. AMFI knows this. SEBI knows this. The structural answers:

• Multi-AMC, multi-insurer. I distribute mutual funds across 24+ AMCs and insurance through 13+ insurers. The more options on the shelf, the less reason to push any one. A captive agent of one insurer has a clear conflict; a true distributor across the industry has much less.
• Regulatory caps. SEBI caps mutual fund expenses. IRDAI regulates insurance remuneration. The room to profit from steering you wrong is far smaller than people think.
• Transparency. You're reading this page. If you ever feel I'm pushing — say so. I'll show you the alternative.

my credentials

You're welcome to verify these at the source:

questions, feedback, escalation.

If something ever feels off — a product that doesn't sit right, a charge you didn't expect, or just a question I haven't answered properly — here's the route. Start with me; the regulators are there if I don't fix it:

• First · Me. support@fundstowealth.com or +91 7208390720. I respond within 7 days — usually much faster.
• Then · AMFI. For mutual fund matters — amfiindia.com → Grievance Redressal.
• Further · SEBI SCORES. SEBI's investor portal — scores.sebi.gov.in.
• For insurance · IRDAI Bima Bharosa. bimabharosa.irdai.gov.in.
• For data / privacy · Data Protection Board of India. Per DPDP Act 2023.