Disclaimer

Our Credentials — Verify Independently

Nitin R Wali Chartered Wealth Manager (CWM®) AMFI Registered Mutual Fund Distributor | ARN–244802 APMI Registered PMS Distributor | APRN07002

Verify your distributor’s AMFI registration independently: Verify ARN–244802 on AMFI Website →

Verify PMS Distributor registration independently: Verify APRN07002 on APMI Website →

What This Means for You — In Plain Language

persfinanceplanning.in is owned and operated by Nitin R Wali, a Pune-based Chartered Wealth Manager and SEBI-compliant financial services intermediary.

As a registered Mutual Fund Distributor and PMS Distributor, our role is clearly defined — we recommend suitable investment products based on your specific goals, risk profile, and financial situation. We do not push products for commissions. We do not guarantee returns. We do not engage in any practice that prioritises our earnings over your financial interests.

Here is what you can expect from us in plain terms:

Complete fee transparency. Every commission, expense ratio, exit load, and distribution charge is explained to you before you invest. You will always know what you are paying and why.

No guaranteed return claims. We do not promise fixed returns on any mutual fund or PMS recommendation. All investments are subject to market risk. Past performance does not guarantee future results.

Goal-first recommendations. Every product recommendation is made in the context of your specific financial goals, risk tolerance, and investment timeline — not based on commission structures.

Full regulatory compliance. We operate under the complete framework prescribed by SEBI, AMFI, and APMI. Our detailed compliance obligations are listed in full below.

Regulatory Framework — Full Compliance Declaration

persfinanceplanning.in operates as an online information and transaction portal for AMFI Registered Mutual Fund Distributor 

Mr. Nitin R Wali (ARN–244802).

We follow the basic code of ethics as guided by SEBI and as required of all Mutual Fund Distributors under AGNI — AMFI Guidelines and Norms for Intermediaries.

Our compliance obligations under AGNI are as follows:

1. No splitting of applications We do not split investor applications to earn higher transaction charges or commissions. Every investment instruction is processed as submitted by the investor.

2. Staying current with industry developments We keep ourselves informed of all developments in the mutual fund industry — including changes in scheme information, fundamental attributes, controlling interests, loads, liquidity provisions, and other material aspects — and advise investors accordingly with up-to-date information.

3. Investor identity protection We take reasonable steps to ensure that the investor’s address and contact details in every mutual fund application form are the investor’s own details and not those of any third party. We do not insert, modify, or tamper with any information in application forms submitted by investors.

4. NISM certification and EUIN compliance All personnel engaged in sales and marketing hold valid NISM certification, are registered with AMFI, and hold an Employee Unique Identification Number (EUIN). EUIN is quoted on all investment application forms. All certifications and registrations are renewed on a timely basis.

5. Know Your Distributor (KYD) compliance We comply fully with the KYD norms issued by AMFI.

6. Regulatory cooperation We cooperate fully with and provide support to AMCs, AMFI, competent regulatory authorities, and Due Diligence Agencies in relation to our activities and all regulatory requirements.

7. Anti-Money Laundering compliance We provide all required investor documents in compliance with Anti-Money Laundering and Combating Financing of Terrorism (AML/CFT) requirements, including KYC documents, Power of Attorney, and investor agreements as required by AMCs.

8. KYC verification We are diligent in attesting and certifying investor documents and performing In Person Verification (IPV) for the KYC process in accordance with AMFI and KRA guidelines.

9. Timely disclosure of changes We notify AMCs and AMFI of any changes in our status, constitution, address, contact details, or any other information provided at the time of obtaining AMFI registration.

10. Standards of ethics and integrity We observe high standards of ethics, integrity, and fairness in all dealings with all parties — investors, Mutual Funds and AMCs, Registrars and Transfer Agents, and other intermediaries. We render high standards of service at all times, exercise due diligence, and ensure proper care.

11. Advisory and execution documentation We maintain requisite documentation in respect of Advisory and Execution Only services provided to investors, in accordance with SEBI criteria.

12. Commission claw-back compliance We refund to AMCs, either by set-off against future commissions or direct payment, all incentives of any nature that are subject to claw-back as per SEBI regulations or AMC terms and conditions.

13. Direct Plan switch compliance In respect of purchases including switch-ins into any fund from January 1, 2013 onwards, in the event of any switches from Regular Plan to Direct Plan, all upfront commissions paid to us are subject to complete and proportionate claw-back as required.

14. No fraudulent or unfair trade practices We do not engage in any fraudulent or unfair trade practices in the sale of mutual fund units. We do not make false or misleading statements, conceal or omit material facts, conceal associated risk factors, or recommend schemes without taking reasonable care to ensure suitability for the investor.

Investment Risk Disclaimer

Mutual fund and PMS investments are subject to market risks. Past performance does not guarantee future results. No assurance is given regarding investment returns or the achievement of financial objectives.

We strongly advise all investors to read all scheme-related documents carefully before investing. Please ensure you understand that mutual funds are subject to market risk and that past returns are not indicative of future performance.

This platform does not provide investment advisory services under SEBI (Investment Advisers) Regulations, 2013, nor does it act as a Portfolio Manager. All information, tools, and calculations shared on this website are for educational purposes only. No fees are charged to investors for using this website. The distributor may receive commissions from AMCs or PMS providers for distribution-related activities.

For NRI Investors

If you are a Non-Resident Indian considering India-based investments through this platform, please note the following:

We facilitate mutual fund investments for NRI clients through NRE and NRO accounts in compliance with FEMA regulations. All investments are processed through SEBI-registered Asset Management Companies. NRI clients are subject to the same KYC and AML requirements as resident Indian investors, in accordance with AMFI guidelines.

Tax treatment for NRI investors may differ from resident investors depending on the applicable Double Taxation Avoidance Agreement (DTAA) between India and your country of residence. We recommend consulting a qualified tax advisor for NRI-specific tax implications before investing.

Contact & Registration Details

Nitin R Wali Chartered Wealth Manager (CWM®) AMFI Registered Mutual Fund Distributor ARN–244802 APMI Registered PMS Distributor APRN07002 Pune, Maharashtra, India

Email: wali.nitin@icloud.com 

Phone / WhatsApp: +91-7420983113 

Website: persfinanceplanning.in

Credentials Verified — Ready to Have a Conversation?

If you have reviewed our regulatory credentials and compliance framework and would like to discuss your financial goals, we would be glad to speak with you.

The first conversation is completely free — no commitment, no sales pitch, just a structured 60-minute discussion about where you stand financially and what a goal-aligned wealth plan could look like for you.

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