Regulatory Disclosures
As a SEBI-registered Investment Adviser, PaisaGraph is required to make certain disclosures about our registration, fees, conflicts of interest, and grievance handling available to every client and prospective client.
1. Introduction
PaisaGraph ("we", "us", "our") is registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013. This page sets out the disclosures we are required to make to clients and prospective clients regarding our registration, the nature of our services, our fees, potential conflicts of interest, and how complaints are handled.
These disclosures are provided in the interest of transparency and to help you make an informed decision before availing of our advisory services. They should be read alongside our Privacy Policy, Terms of Service, and Risk Disclosure.
2. SEBI Registration Details
- Registered Name — PaisaGraph Management
- SEBI Registration Number — INA000012345
- Type of Registration — Investment Adviser (Non-Individual)
- AMFI ARN — 314808 (valid 24-Nov-24 to 23-Nov-27)
- Registered Office — 15A, 16th Floor, Silver Wing, Wave One, Sector 18, Noida, Uttar Pradesh 201301
- BASL Membership — Registered with BSE Administration & Supervision Ltd. (BASL) as our Investment Adviser Administration and Supervisory Body (IAASB)
You may verify our registration status independently on the SEBI website (sebi.gov.in) under the "Registered Intermediaries" section, or on the BASL member directory.
3. Nature of Services Offered
PaisaGraph offers investment advisory services covering mutual funds, tax-efficient portfolio construction, and financial planning tools. We do not accept custody of client funds or securities at any point — all transactions are executed directly between you and the relevant Asset Management Company (AMC), Registrar & Transfer Agent (RTA), or exchange-registered intermediary.
Our recommendations are advisory in nature. The final decision to invest, hold, or redeem any security or scheme rests solely with you. PaisaGraph does not guarantee returns, capital protection, or the performance of any recommended investment.
4. Fee Structure & Disclosure
As a SEBI-registered Investment Adviser, we charge advisory fees directly to clients in accordance with SEBI's prescribed fee modes and ceilings. We do not receive commission or trail income from AMCs, RTAs, or fund houses in connection with the advisory recommendations we make.
- Fixed fee mode — a flat annual advisory fee, subject to the SEBI-prescribed ceiling per client per annum.
- Assets under advice (AUA) mode — a percentage of the assets under our advice, subject to the SEBI-prescribed ceiling.
- Applicable taxes (including GST) are charged in addition to the advisory fee, as per prevailing law.
The exact fee applicable to your account is disclosed and agreed upon in your advisory agreement before onboarding, and is never revised without prior written intimation.
5. Conflicts of Interest
We maintain an internal policy to identify, disclose, and manage conflicts of interest that may arise in the course of providing advisory services. In particular:
- PaisaGraph and its associates do not distribute or sell mutual fund schemes for commission alongside offering fee-only advice on the same schemes to the same client.
- Where any associate entity of PaisaGraph has a business relationship with an AMC or product manufacturer, this is disclosed to the client prior to any related recommendation.
- Employees and advisors are bound by an internal code of conduct restricting personal trading that could conflict with client interests.
6. Risk Profiling & Suitability
Before providing any investment advice, we carry out a risk profiling exercise to assess your financial goals, investment horizon, income, liabilities, and risk tolerance. Recommendations are made on a suitability basis aligned to this profile. You are encouraged to update your risk profile with us whenever your financial circumstances change materially.
7. Compliance Officer
In accordance with SEBI (Investment Advisers) Regulations, 2013, we have designated a Compliance Officer responsible for monitoring compliance with securities laws and for handling escalations that are not resolved through our standard support channel.
8. Client Complaints Data
As mandated by SEBI, we publish a monthly summary of complaints received and resolved. The table below reflects the most recently published cycle; the complete trailing 12-month history is available on request.
| Month | Carried Forward | Received | Resolved | Pending |
|---|---|---|---|---|
| Jul 2026 | 0 | 0 | 0 | 0 |
A nil complaints record reflects our current client base and support volumes, and is updated at the start of every month.
9. Investor Charter
In line with SEBI's Investor Charter for Investment Advisers, we are committed to: acting in your best interest, providing advice appropriate to your risk profile, disclosing all fees and conflicts upfront, maintaining confidentiality of your data, and resolving grievances in a time-bound manner. A copy of the full Investor Charter is available on request.
10. Grievance Redressal Mechanism
If you have a grievance, please first write to our support desk at support@paisagraph.com. Unresolved matters can be escalated to our Compliance Officer at compliance@paisagraph.com, who will respond within 24 hours.
If your complaint remains unresolved after 30 days, you may escalate it to SEBI through the SEBI Complaints Redress System (SCORES) at scores.gov.in, or through the Online Dispute Resolution (ODR) portal for securities market disputes.
11. Changes to This Page
We update this page whenever our registration details, fee structure, or grievance process change, or as required by SEBI circulars. The "Last updated" date at the top of this page reflects the most recent revision.
12. Contact Us
For any questions about these regulatory disclosures, please reach out to us: