Loading document…
Investing in financial products involves various risks. Before making any investment through Niyyam™, investors should carefully evaluate their financial objectives, investment horizon, risk tolerance, and ability to bear potential losses. Niyyam™ is a brand operated by Tech Margon Wealth Private Limited, an AMFI Registered Mutual Fund Distributor (ARN-360119). We facilitate investments in mutual fund schemes offered by various Asset Management Companies (AMCs). We encourage all investors to read the Scheme Information Document (SID), Key Information Memorandum (KIM), Scheme Addenda, and all other applicable scheme-related documents before investing.
All investments in mutual fund schemes are subject to market risks. The value of investments may increase or decrease depending on market conditions, economic factors, interest rate movements, credit events, geopolitical developments, regulatory changes, and other factors affecting financial markets. Past performance of any mutual fund scheme is not indicative of future performance. Neither Niyyam™ nor any Asset Management Company (AMC) guarantees returns, capital protection, or achievement of investment objectives unless specifically stated in the relevant scheme documents.
Niyyam™ acts solely as an AMFI Registered Mutual Fund Distributor.
Niyyam™ facilitates investments in mutual fund schemes offered by various Asset Management Companies (AMCs).
Niyyam™:
Does not manage mutual fund schemes.
Does not make investment decisions on behalf of investors.
Does not guarantee investment performance or returns.
Does not control portfolio management activities of any mutual fund scheme.
Investment decisions remain entirely the responsibility of the investor.
Mutual fund investments are exposed to various risks, including but not limited to: Market Risk: The value of mutual fund investments may fluctuate because of changes in equity markets, debt markets, commodity prices, economic conditions, geopolitical events, inflation, and investor sentiment. Interest Rate Risk: Debt-oriented mutual funds may be affected by changes in prevailing interest rates. Rising interest rates may reduce the market value of existing debt securities. Credit Risk: Debt mutual funds may be exposed to the risk that issuers of securities may fail to meet their repayment obligations. Liquidity Risk: Certain securities held by mutual funds may not always be easily bought or sold, which could affect redemption timelines or valuation. Concentration Risk: Funds investing significantly in specific sectors, industries, themes, or asset classes may experience greater volatility than diversified funds. Currency Risk: Mutual fund schemes investing in overseas securities may be affected by foreign currency fluctuations.
Mutual fund investments are subject to applicable laws, regulations, taxation policies, and regulatory guidelines.
Changes in:
SEBI regulations
AMFI guidelines
Income tax laws
Capital gains taxation
TDS provisions
KYC / AML requirements
FATCA / CRS requirements
may affect investment processes, taxation, investor obligations, transaction timelines, or investment outcomes.
Investors should consult qualified tax or legal professionals regarding their individual circumstances.
Although Niyyam™ strives to provide a secure and reliable platform, certain operational or technical disruptions may occur from time to time.
These may include:
Internet connectivity issues
Scheduled system maintenance
Software defects
Third-party API failures
Banking network interruptions
Payment gateway downtime
UPI service disruptions
BSE Star MF service interruptions
Registrar & Transfer Agent (RTA) processing delays
Such events may temporarily affect order placement, transaction processing, account access, or notification delivery.
While Niyyam™ implements reasonable administrative, technical, and organisational safeguards to protect user information, no online platform can guarantee absolute security.
Investors should remain vigilant against:
Phishing emails
Fraudulent websites
Fake mobile applications
Social engineering attacks
OTP fraud
Password theft
Identity theft
Investors should never share passwords, OTPs, authentication codes, or other confidential credentials with any person.
Investment transactions involve multiple independent financial institutions and intermediaries.
Accordingly:
Transaction processing may occasionally be delayed.
Banking or payment failures may occur.
Technical issues may temporarily affect transaction execution.
Settlement timelines may vary depending on banks, payment service providers, BSE Star MF, RTAs, and AMCs.
Niyyam™ will make reasonable efforts to assist investors where operational issues arise but cannot guarantee uninterrupted services or fixed processing timelines.
Investors are responsible for:
Reading the Scheme Information Document (SID), Key Information Memorandum (KIM), and other scheme-related documents before investing.
Carefully reviewing all investment details before confirming transactions.
Maintaining accurate KYC, PAN, bank account, nominee, and contact information.
Protecting account credentials, passwords, and OTPs.
Promptly reporting any unauthorised activity or suspected fraud.
Failure to comply with these responsibilities may affect transaction processing or account security.
Niyyam™ acts solely as an AMFI Registered Mutual Fund Distributor.
Niyyam™ shall not be responsible for investment losses, market fluctuations, changes in Net Asset Value (NAV), taxation changes, redemption delays, or operational issues arising from:
Asset Management Companies (AMCs)
Registrar & Transfer Agents (RTAs)
BSE Star MF
Banks
Payment service providers
Stock exchanges
Depositories
Regulatory authorities
Events beyond the reasonable control of Niyyam™
Nothing contained in this page limits any rights available to investors under applicable law.
By using the Niyyam™ platform, investors acknowledge that:
They understand that mutual fund investments are subject to market risks.
They have read or agree to read the relevant scheme documents before investing.
They understand that investment values may rise or fall.
They understand that past performance is not indicative of future performance.
They understand that Niyyam™ acts only as an AMFI Registered Mutual Fund Distributor.
They accept responsibility for their investment decisions.
Niyyam™ is an AMFI Registered Mutual Fund Distributor (ARN-360119) and facilitates investments in mutual fund schemes offered by various Asset Management Companies (AMCs). Niyyam™ does not provide guaranteed returns, capital protection, or assurance of investment performance. Investment decisions should be made only after carefully evaluating your financial objectives, investment horizon, risk tolerance, and the risks associated with the selected mutual fund scheme. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Grievance / Compliance Officer — Ashok Prasad
support@niyyam.comTech Margon Wealth Pvt. Ltd. (Niyyam)
1,2 A1 Block, 4th Floor, Above Chef Bakers, ITPL Main Road, Near Brookefield Hospital, Kundanhalli, Bangalore-560037, Karnataka