Legal & Compliance

Artha Sutra Capital is the trade name under which Niranjan Maharana operates as an independent Mutual Fund Distributor (MFD), registered with the Association of Mutual Funds in India (AMFI). As a distributor, Artha Sutra Capital earns trail commission from the mutual fund schemes it distributes; it does not charge clients a separate advisory fee for distribution services unless explicitly agreed in writing.

Artha Sutra Capital is an AMFI Registered Mutual Fund Distributor Validity: 12-APR-2028 and SIF Distributor Validity: 25-OCT-2028 with AMFI Registration Number: ARN-328072.

Mutual fund investments are subject to market risk. Please read all scheme-related documents, including the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM), carefully before investing. Past performance of any scheme is not indicative of, and should not be construed as, a guarantee of its future performance. Neither Artha Sutra Capital nor AMFI guarantees the performance, returns, or safety of any investment made through this platform.

The content on this website, including calculators, articles, and illustrations, is provided for general informational and educational purposes only. It does not constitute investment advice, a recommendation, or a solicitation to buy or sell any mutual fund scheme. Investors should assess their own risk appetite, financial goals, and time horizon, and consult Niranjan directly, before making any investment decision.

All mutual fund transactions (purchase, redemption, switch, and SIP registration) are executed on the Assetplus distributor platform, a SEBI-registered mutual fund transaction platform, under Assetplus's own terms and KYC process. Artha Sutra Capital does not itself hold, process, or have custody of client funds or units at any point.

No Guarantee of Returns: Past performance is not indicative of future results. There is no guarantee of returns, capital protection, or achievement of any financial objective.

Educational Information: Information on this website is for educational purposes only and does not constitute investment advice, legal advice, tax advice, or a solicitation to buy or sell any financial product.

Grievance redressal: [Name, designation, email, and phone number of the designated grievance officer for Artha Sutra Capital — confirm before launch]. Investors may also escalate unresolved grievances relating to mutual fund distribution to AMFI or through SEBI's SCORES portal (scores.sebi.gov.in).

Regulatory References: Investors should refer to applicable SEBI, AMFI, RBI/FEMA and IRDAI rules as applicable to their investments, insurance, taxation and residency status.

This Privacy Policy explains what personal information this website (myarthasutra.in) collects, why it is collected, and how it is used. It applies only to this website and does not cover the Assetplus platform, which you may be directed to for actual mutual fund transactions and onboarding — Assetplus is a separate service with its own privacy policy, which you should review independently before using it.

• What we collect: when you use the contact form, a calculator's "email me these results" option, the newsletter signup, or the Assetplus-onboarding interest form on this site, we collect the information you submit — typically your name, email address, phone number, the service or topic you're interested in, and any message or notes you add. We do not collect this information through cookies, tracking pixels, or any passive/automatic means beyond standard, non-identifying web server logs.
• Why we collect it: this information is used solely so Niranjan can follow up with you directly about your enquiry — to answer questions, discuss financial planning or mutual fund distribution services, or share the calculator results or resources you requested. Submitting a form on this site triggers a notification email to Niranjan so he is aware of your enquiry.
• Sharing: we do not sell, rent, or trade your personal information to any third party for marketing purposes. Your information is not shared with anyone other than Niranjan and, where a transaction is initiated, the Assetplus platform necessary to carry it out — and only with your knowledge, since that step happens on Assetplus directly, under its own terms.
• Retention and deletion: in all honesty, this site does not yet have a formal, documented data-retention schedule. Enquiry data is kept for as long as reasonably needed to respond to you and maintain a record of client communication. If you would like your information corrected or deleted, please contact Niranjan directly at [email protected] and the request will be honoured as soon as practicable.
• Security: reasonable technical and organisational measures are used to protect the information you submit, but no method of transmission or storage over the internet can be guaranteed to be 100% secure.
• Your choices: you can decline to submit any form on this site; doing so simply means we won't be able to follow up on that specific request. Newsletter subscribers can unsubscribe at any time via the link in any newsletter email or by contacting Niranjan directly.

This policy may be updated from time to time as the site or its data practices evolve. Material changes will be reflected on this page with an updated date.

[Effective/last-updated date — set before launch and update whenever this policy changes]

By accessing or using myarthasutra.in, you agree to the following terms. This website is published by Niranjan Maharana, trading as Artha Sutra Capital, an AMFI-registered Mutual Fund Distributor.

This site exists to provide general information about financial planning and mutual fund distribution services, to host educational tools such as calculators, and to let visitors get in touch or express interest in Artha Sutra Capital's services. Nothing on this site — including calculator outputs, blog articles, or illustrative examples — constitutes personalised investment advice, a research report, or a recommendation to invest in any particular scheme. It should not be relied upon as the sole basis for any financial decision.

This website does not itself process any investment transaction and does not accept, hold, or have access to client funds, securities, or mutual fund units at any point. Where you choose to proceed with an investment, you will be directed to the Assetplus platform, a separate SEBI-registered distributor platform, and your transaction will be governed entirely by Assetplus's own terms of use, KYC requirements, and privacy policy — not by this website's terms.

Calculators and tools on this site (such as SIP, retirement, or goal-planning calculators) produce illustrative, indicative estimates based on the assumptions and inputs you provide. They are simplified models for educational purposes only, are not guarantees of actual future outcomes, and should not be treated as a substitute for personalised advice.

All content on this site — text, design, logos, and calculator tools — is the property of Artha Sutra Capital unless otherwise noted, and may not be reproduced without permission. Content, services, and these terms may be updated or changed at any time without prior notice; continued use of the site after a change constitutes acceptance of the updated terms.

To the fullest extent permitted by law, Artha Sutra Capital makes no warranty as to the accuracy, completeness, or timeliness of information on this site, and is not liable for any loss arising from reliance on it. Nothing in these terms limits any statutory right, disclosure obligation, or grievance-redressal channel available to you as a client of a SEBI-regulated intermediary — see the SEBI/AMFI Disclosure section above.

These terms are governed by the laws of India. Questions about these terms can be directed to [email protected].