Fee-Only Fiduciary Investment Advice

100% independent investment allocations. Strictly zero product manufacturer execution commissions, distribution kickbacks, or hidden broker placement fees. We operate strictly in a fiduciary capacity, placing investor safety and clean asset structuring above all else.

Mandatory Statutory Fee Schedule

Advisory fees are transparently aligned and fully capped in rigid accordance with SEBI statutory boundaries:

Fixed Fee Framework

Capped up to ₹1,51,000/- Per Annum

Flat annual management fee billed flatly on a quarterly or half-yearly split timeline per client family entity.

Assets Under Advice (AUA) Track

Capped up to 2.50% Per Annum

Percentage fee dynamically tied back to the net value of verified assets logged inside custom client tracking suitability systems.
⛔ PROHIBITION NOTICE: Operational compliance entirely bars physical cash payments. All advisory fees must be remitted strictly via traceable banking layers (Net Banking, UPI, or Crossed Account-Payee Cheques).

Most Important Terms and Conditions (MITC)

Formulated under SEBI Circular No. SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/19:

  1. Scope of Payments: The IA shall only accept payments towards its fees. The IA is strictly prohibited from accepting client funds or securities directly into its own bank accounts.
  2. No Performance Guarantees: The IA does not guarantee returns or risk-free investments. All allocations carry absolute market risks.
  3. Prohibition of Fixed Returns: Any schemes proposing assured, guaranteed, or fixed returns are barred by law.
  4. Regulatory Jurisdiction: Investment advice relating to securities falls under the purview of SEBI. Incidental advice on non-SEBI products requires independent, separate execution templates.
  5. Execution Discretion: The IA cannot execute trades or handle transactions on behalf of the client. Absolute execution authority remains with the client; never share passwords or trading OTPs.
  6. Statutory Fee Caps: Fee charges are strictly bounded by SEBI limits. Fixed fee limit is capped up to ₹1,51,000/- p.a. AUA models are capped up to 2.5% p.a. per client family.
  7. Legitimate Payment Channels: Advisory fees must be paid via transparent banking modes (cheques, net banking, UPI). Cash payments are entirely barred.
  8. Pro-Rata Fee Refund: If registration status is suspended beyond 60 days or canceled, the client holds an explicit right to a pro-rata refund of unexpired advance fees.
  9. Conflict Separation: All material conflicts of interest arising from structural operations must be disclosed transparently before rendering advisory services.

Investor Charter for Investment Advisers

Full regulatory verbatim framework established under SEBI Circular on Investor Charter for IAs:

A. Vision and Mission Statements for Investors

Vision: To facilitate an investor-centric, transparent, and vibrant securities market environment by promoting trusted, fee-aligned advisory ecosystems.

Mission: To protect investor interests, handle grievances effectively, and empower wealth accumulation through objective, risk-suited investment selection frameworks.

B. Details of Business Transacted by the Investment Adviser
  • Executing mandatory risk profiling and mapping client categories prior to generating advice.
  • Entering into a formal, written Investment Advisory Agreement containing standard Schedule III items with every client family unit.
  • Offering pure advisory services aligned with the financial targets of the investor, completely free of manufacturing commission conflicts.
  • Restructuring operations strictly within standard statutory limits (Max ₹1,51,000 p.a. Fixed Fee or 2.50% p.a. AUA models).
  • Maintaining robust digital records of client suitability metrics and logs for operational compliance verification reviews.
C. Details of Services Provided to Investors & Turnaround Timelines
  • Risk Profile Review: Regular re-evaluation of client risk thresholds at least once every financial year.
  • Grievance Intake Acknowledgment: Immediate administrative acknowledgment of customer grievance tickets within 2 working days of receipt.
  • Final Complaint Disposal: Redressing and providing final resolution responses to client complaints within **21 calendar days** from initial receipt.
D. Rights of Investors
  • Right to receive objective advice that prioritizes the client's interests above all else in a fiduciary capacity.
  • Right to access full details regarding terms, fee structures, PO educational backgrounds, and material structural conflicts before onboarding.
  • Right to receive physical or electronic copies of the executed Investment Advisory Agreement and suitability justification matrix logs.
  • Right to escalate unresolved disputes directly to the SEBI SCORES Portal or Online Dispute Resolution (SMART ODR) frameworks.
E. Responsibilities of Investors (Do's and Don'ts)

Do's: Verify valid SEBI RIA credentials; complete risk profile question forms truthfully; clear all fees via transparent digital banking channels.

Don'ts: Never clear bills using raw cash deposits; never share transactional trading exchange passwords or security OTPs; avoid relying on unverified social media group market tips.

SEBI Framework for Safe Advisory Engagements

DO'S FOR INVESTORS:
  • Verify valid SEBI RIA status before signing any document.
  • Ensure fees match the established contractual limits.
  • Insist on an explicit clear suitability assessment logic.
  • Pay only via digital banks or crossed payee instruments.
DONT'S FOR INVESTORS:
  • Never share transactional trading passwords or exchange OTPs.
  • Do not fall for promises of assured or risk-free market yields.
  • Never clear advisory fee structures using raw cash deposits.
  • Do not accept advice sent via informal unverified social media channels.

🔗 Reference Document: Access Official SEBI Reference Material Profile

Statutory Investor Complaints Disclosures

Data updated on a rolling tracking basis by the 7th of every succeeding calendar month:

Table A: Complaints Data for the Month Ending October 2026

Sr. No. Received From Pending at End of Last Month Received During Month Resolved During Month* Total Pending at Month End# Pending > 3 Months Avg Resolution Time^ (Days)
1Directly from Investors000000
2SEBI (SCORES)000000
3Other Sources (if any)000000
-Grand Total000000

Impersonation Note: Number of complaints received during the current month against the IA due to impersonation by some other unauthorized entity: 0.

Table B: Trend of Monthly Disposal of Complaints (Financial Year 2026-27)

Sr. No. Reporting Month Carried Forward from Previous Month Received During Month Resolved During Month* Pending at End of Month#
1April 20260000
2May 20260000
3June 20260000
4July 20260000
5August 20260000
6September 20260000
7October 20260000
-Grand Total / Summary0000

Table C: Trend of Annual Disposal of Complaints (3-Year Historical Tracking)

Sr. No. Financial Year Carried Forward from Previous Year Received During Year Resolved During Year Pending at End of Year
12023-240000
22024-250000
32025-260000
-Grand Total Summary0000
* Inclusive of complaints of previous months/years resolved in the current reporting cycle.
# Inclusive of total complaints pending as on the last calendar day of the reporting target interval.
^ Average Resolution time is the sum total of time taken to resolve each complaint in days, divided by the total number of complaints resolved.

Grievance Redressal Architecture

If you face structural anomalies, route all administrative complaints sequentially across these official nodes:

Level 1: Internal Desk Redressal Officer: Nishit Vinay Shah
Address: 5, Himalaya Building, New Maneklal Estate, Ghatkopar West, Mumbai - 400086
Email: visolitech@gmail.com
Call Desk: +91 7021130744
Statutory Target Ceiling: Maximum 21 calendar days tracking profile.
Level 2: Electronic Arbitration Nodes If you are not satisfied with our Level 1 response, escalate directly via:

⚖ SEBI SCORES Platform:
Lodge Grievance on SCORES Portal

⚡ SMART ODR Portal:
Initiate Institutional Dispute Case
Level 3: SEBI Jurisdictional Office Should all primary channels fail, communicate directly with the local regulatory body covering our registration:

Office Address: SEBI Bhavan BKC, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051, Maharashtra.

Toll-Free Lines: 1800 22 7575 / 1800 266 7575

Digital Accessibility Declaration

In accordance with the Rights of Persons with Disabilities (RPwD) Act, 2016 and the comprehensive **SEBI Digital Accessibility Framework**, this platform natively satisfies **WCAG 2.1 Level AA** parameters and the **IS 17802** structural standards. It provides full semantic accessibility routing layouts, scalable styling controls, and strict structural readability logic to support all investors universally.