Risk Disclosure
Investing in securities markets carries risk. Before using PaisaGraph's advisory services or acting on any recommendation, please read and understand the risks described on this page.
1. Introduction
Investments in securities markets, including mutual funds, are subject to market risk. This Risk Disclosure explains the principal risks associated with investing through PaisaGraph Management ("PaisaGraph", "we", "us", "our") and is intended to help you make an informed decision. It should be read together with our Terms of Service, Privacy Policy, and Regulatory Disclosures.
Nothing on this page, or elsewhere on our platform, should be construed as a guarantee, assurance, or promise of returns. Please read all scheme-related documents carefully before investing.
2. Market Risk
The value of investments in securities, including equity, debt, and hybrid mutual fund schemes, can go up or down depending on a variety of factors and forces affecting the securities markets, including but not limited to interest rate movements, inflation, currency fluctuations, geopolitical events, and changes in government policy. There is no assurance that a scheme's investment objective will be achieved.
3. No Guaranteed Returns
PaisaGraph does not guarantee, assure, or promise any specific rate of return, capital protection, or investment outcome on any recommendation made through our Services. Any illustrative figures, projections, or historical data shown on our platform — including in calculators and planning tools — are for informational purposes only and should not be relied upon as a promise of future performance.
4. Mutual Fund Specific Risks
- Equity scheme risk — Equity and equity-oriented schemes carry higher volatility and are subject to price fluctuations driven by company performance, sector trends, and broader market movements.
- Debt scheme risk — Debt schemes are subject to interest rate risk, credit risk (the risk of default by the issuer), and liquidity risk.
- Hybrid scheme risk — Hybrid schemes carry a blend of equity and debt risks in proportion to their underlying asset allocation.
- Concentration risk — Schemes with a narrow or thematic mandate (e.g. sector or thematic funds) may be more volatile than diversified schemes.
- Exit load & taxation — Redemptions may attract exit loads and capital gains tax depending on the holding period and scheme type; these can materially affect net returns.
5. Past Performance Disclaimer
Past performance of any scheme, fund manager, or index shown on our platform is not indicative of, and should not be used as a basis for predicting, future returns. Performance figures displayed on PaisaGraph are sourced from third-party data providers and AMC disclosures, and while we take reasonable care in presenting this data, we do not warrant its completeness or accuracy.
6. Advisory vs Execution
PaisaGraph provides investment advice; we do not execute transactions on your behalf, nor do we take custody of your funds or securities at any stage. All purchases, switches, and redemptions are carried out directly between you and the relevant AMC, RTA, or exchange-registered intermediary, using the payment and settlement mechanisms provided by those parties. You are responsible for reviewing and confirming every transaction before it is executed.
7. Concentration & Liquidity Risk
Over-concentration in a single scheme, AMC, sector, or asset class can amplify losses if that specific segment underperforms. Certain schemes, particularly close-ended funds, small-cap funds, or debt funds holding less liquid instruments, may also be harder to exit at short notice without an impact on realised value.
8. Tax & Regulatory Risk
Tax treatment of mutual fund gains and other investments is subject to change based on Union Budget announcements and amendments to the Income Tax Act. Regulatory changes by SEBI, RBI, or other authorities may also affect scheme structures, expense ratios, or the way advisory services are delivered. PaisaGraph is not liable for the impact of such regulatory or tax changes on your portfolio.
9. Third-Party Platform Risk
Our tools and calculators may draw on data from third-party providers, AMCs, and market data vendors. Any interruption, inaccuracy, or delay in such third-party data could affect the information displayed on our platform. We recommend cross-verifying critical figures against the official scheme information document before making investment decisions.
10. Client Responsibility
You are responsible for:
- Reading the Scheme Information Document (SID) and Key Information Memorandum (KIM) of any scheme before investing.
- Assessing whether a recommendation is suitable for your specific financial situation, goals, and risk appetite.
- Monitoring your portfolio periodically and informing us of any material change in your circumstances.
- Verifying transaction confirmations and account statements issued by AMCs or RTAs.
11. Grievance Redressal
If you have concerns about a recommendation or believe a risk was not adequately disclosed to you, please write to support@paisagraph.com. Unresolved matters may be escalated to our Compliance Officer, who will respond within 24 hours. If your complaint remains unresolved after 30 days, you may escalate it to SEBI through SCORES at scores.gov.in, or the applicable Online Dispute Resolution (ODR) portal.
12. Changes to This Page
We may revise this Risk Disclosure from time to time to reflect changes in market conditions, our product offering, or applicable regulation. The "Last updated" date at the top of this page indicates when it was last revised. We encourage you to review this page periodically, particularly before making a new investment.
13. Contact Us
If you have any questions about this Risk Disclosure, please reach out to us: