Services & Product Facilitation
Mutual Fund Distribution
Investor Onboarding
Investor onboarding is facilitated through authorised platforms in accordance with applicable KYC, AML,FATCA, CKYC, and regulatory requirements prescribed by SEBI, AMFI, and other applicable authorities.
Mutual Fund Categories Facilitated
Investments may be facilitated across various mutual fund categories based on investor preference,financial objectives, risk profile, and suitability assessment.
Equity Mutual Funds
Market-linked mutual fund schemes primarily investing in equity and equity-related instruments andgenerally intended for long-term capital appreciation. Returns are not guaranteed and are subject tomarket risks.
Debt Mutual Funds
Mutual fund schemes primarily investing in fixed-income instruments and generally aligned with relativelystable and short- to medium-term financial goals. Returns are subject to interest rate and credit risks.
Hybrid Mutual Funds
Mutual fund schemes combining equity and debt exposure with the objective of providing a balancedinvestment approach, subject to market conditions and scheme allocation.
ELSS (Equity Linked Savings Schemes)
Equity-oriented mutual fund schemes eligible for tax benefits under Section 80C of the Income Tax Act,subject to prevailing tax laws and a mandatory three-year lock-in period.
Modes of Investment
Investors may choose the mode of investment based on their financial convenience and investmentobjectives.
Systematic Investment Plan (SIP)
Allows investment of a fixed amount at periodic intervals (such as monthly or quarterly) into a selectedmutual fund scheme.
Lump-Sum Investment
Involves making a one-time investment into a selected mutual fund scheme.
Important Mutual Fund Disclosure
Mutual fund investments are subject to market risks. Investors are advised to read all scheme-relateddocuments carefully before investing. Past performance does not guarantee future returns.
Insurance Facilitation
Insurance facilitation services assist clients in accessing insurance products offered by IRDAI-registeredinsurance companies in India. Policy issuance, underwriting, servicing, premium acceptance, and claimsettlement are handled solely by the respective insurance companies in accordance with their policy termsand conditions.
Insurance Categories Facilitated
Life Insurance
Provides financial protection to the insured’s nominee or family in the event of death during the policy term.Certain policies may additionally provide maturity, savings, or investment-linked benefits depending on theproduct structure.
Health Insurance
Provides financial assistance towards eligible medical and hospitalisation expenses, subject to policycoverage, exclusions, waiting periods, and insurer terms.
Motor Insurance
Provides coverage against financial loss arising from vehicle damage, theft, natural calamities, accidents, orthird-party liability, subject to policy coverage and applicable laws.
Important Insurance Disclosure
Insurance is the subject matter of solicitation. Policy benefits, features, exclusions, and claim settlement aregoverned entirely by the respective insurer’s policy terms and applicable regulations.
24/7 Availability
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Free Estimate
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Loan Facilitation Support
Loan facilitation support is provided strictly for coordination, application assistance, and documentation support for loan products offered by authorised banks and financial institutions. Loan approval, eligibility, disbursement, processing fees, interest rates, tenure, and repayment terms are determined solely by there spective lending institution.
Loan Categories Facilitated
Home Loans
Facilitated for the purchase, construction, extension, or renovation of residential property, subject to lendereligibility criteria and applicable terms.
Personal Loans
Unsecured loan facilities facilitated for personal financial requirements, with approval and terms governedentirely by the lending institution.
Loan Against Securities (LAS)
Facilitated by enabling loans against eligible financial securities, subject to valuation norms, marginrequirements, market fluctuations, and lender policies.
Important Loan Disclosure
Facilitation support does not constitute lending, underwriting, or approval authority. Final sanction anddisbursement decisions are made solely by the respective financial institution.
24/7 Availability
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Free Estimate
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Fixed Deposit Products
Access to Bank Fixed Deposit and Corporate Fixed Deposit products may be facilitated through authorisedand approved platforms. Interest rates, tenure, premature withdrawal rules, taxation, credit risk, andmaturity proceeds are governed solely by the issuing institution.
Important Fixed Deposit Disclosure
Corporate Fixed Deposits may carry credit and repayment risks. Investors are advised to review issuerratings, terms, and risk factors carefully before investing.
24/7 Availability
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Free Estimate
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National Pension System (NPS)
Access to National Pension System (NPS) Tier I and Tier II accounts may be facilitated through authorisedplatforms in accordance with applicable PFRDA guidelines. NPS is a market-linked retirement-orientedinvestment product regulated by the Pension Fund Regulatory and Development Authority (PFRDA).
Important NPS Disclosure
Returns under NPS are market-linked and are not guaranteed. Withdrawal, exit, annuity, and tax benefits are subject to prevailing PFRDA regulations and applicable laws.
General Regulatory Disclosure
The role of Swarna Invest is limited to distribution, facilitation, coordination, and support services throughauthorised platforms and empanelled institutions. No assurance, guarantee, or promise of returns,approvals, performance, or investment outcomes is provided. Investors and clients are advised toindependently evaluate product suitability and read all related scheme documents, policy wordings, loanagreements, and disclosure materials carefully before proceeding.
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Mutual Fund Distribution
Insurance Facilitation
