SahiSavings

Risk disclosures

Please read these before using any product on Sahi Savings.

Sahi Savings makes no warranties or representations, express or implied, on products and services offered through the platform. It accepts no liability for any damages or losses, however caused in connection with the use of, or on the reliance of its advisory or related services. Past performance is not indicative of future returns. Investment in securities market are subject to market risks, read all related documents carefully before investing.

Investment Disclaimer & Risk Disclosure

IMPORTANT: PLEASE READ THIS SECTION CAREFULLY.

  • Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.
  • Sahi Savings acts as a distributor of mutual funds and not as an investment adviser as defined under SEBI (Investment Advisers) Regulations, 2013. Information on the platform is for informational purposes only and does not constitute investment advice.
  • Tax calculations and projections are estimates based on information provided by you and current tax laws. These are indicative only and should not be construed as professional tax advice. Consult a qualified Chartered Accountant for personalised tax planning.
  • Insurance products are subject to terms and conditions of the respective insurers. Sahi Savings is not responsible for any claim rejection or settlement by the insurer.
  • Credit scores are fetched from third-party credit bureaus and displayed as-is. The Company does not guarantee accuracy and is not responsible for errors in bureau data.
  • Investments in the securities market carry the risk of loss of principal. You should only invest funds you can afford to lose.

Fees & Charges

Distributor Commission: As an AMFI-registered mutual fund distributor, the Company may receive trail commission from Asset Management Companies (AMCs) on investments facilitated through the platform. This is disclosed in compliance with AMFI Circular No. AMFI/35P/MEM-COR/13/2012-13.

Platform Fees: Any subscription or platform fees applicable to premium services will be disclosed clearly before you subscribe. By subscribing, you authorise the Company to charge such fees to your designated payment method.

Transaction Charges: Applicable charges for payment gateway transactions, if any, will be displayed at the point of transaction.

Taxes: All applicable GST and other statutory levies will be charged as per prevailing rates.

The Company reserves the right to revise its fee structure with prior notice of not less than 15 days. Continued use of the platform after notice constitutes acceptance of the revised fees.

Grievance Redressal

In accordance with SEBI Circular SEBI/HO/OIAE/OIAE_IAD-1/P/CIR/2023/131 and applicable AMFI guidelines, users may raise grievances through the following channels:

Step 1 – Company Grievance Officer:
Name: Varun Shimoga | Designation: Grievance Officer
Email: grievance@sahisavings.com | Phone: +91 9867028094
Response time: Within 30 days

Step 2 – SEBI SCORES Portal:
If your grievance is not resolved satisfactorily within 30 days, you may escalate to SEBI SCORES (Securities and Exchange Board of India Complaints Redress System) at https://scores.sebi.gov.in

Step 3 – Online Dispute Resolution (ODR):
As per SEBI circular dated July 31, 2023, you may initiate dispute resolution through SEBI's ODR platform.

Step 4 – Data Protection Board of India:
For grievances about your Personal Data, first write to our Grievance Officer as in Step 1. If the grievance is not resolved, you may make a complaint to the Data Protection Board of India under the DPDP Act, 2023, in the manner the Board specifies.

By product

Mutual Funds

  • Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.
  • Sahi Savings acts as a distributor of mutual funds and not as an investment adviser under the SEBI (Investment Advisers) Regulations, 2013. Information on this page is educational and is not investment advice.
  • K2VS Finance and Investments Private Limited is an AMFI-registered Mutual Fund Distributor (ARN - 190825) and a Platform Partner with BSE (Member Code: 54418).

Fixed Deposits

  • Fixed deposit terms, interest rates and premature-withdrawal rules are set by the issuing institution.
  • Company deposits are not covered by DICGC deposit insurance.
  • Tax rules, limits and rates change. Check the rules for the relevant financial year before acting.

Digital Gold

  • Digital gold is not a regulated product under SEBI or RBI. Read the provider’s terms before buying.
  • Gold prices are volatile. Past price movements do not indicate future prices.
  • Tax rules, limits and rates change. Check the rules for the relevant financial year before acting.

EPFO Passbook

  • Sahi Savings is not affiliated with or endorsed by EPFO. Passbook data is displayed as received.
  • EPF rules on contributions, interest and withdrawal are set by EPFO and the Government of India.

National Pension System (NPS)

  • NPS investments are regulated by PFRDA and are subject to market risks.
  • Corpus projections are illustrative and are not guaranteed.
  • Tax calculations and projections are estimates based on the information you provide and current tax laws. They are indicative only and are not professional tax advice. Consult a qualified Chartered Accountant for personalised tax planning.

Atal Pension Yojana (APY)

  • APY is a Government of India scheme administered by PFRDA. Eligibility, contribution and pension rules are set by the scheme and may change.
  • Sahi Savings does not open or operate APY accounts.

Public Provident Fund (PPF)

  • PPF rules, interest rates and tax treatment are set by the Government of India and may change.
  • Tax rules, limits and rates change. Check the rules for the relevant financial year before acting.

Insurance

  • Insurance is the subject matter of solicitation.
  • Insurance solicitation is through K2VS Insurance Marketing Private Limited (IRDAI Reg No: IMF07351120230639; CIN: U66000MH2022PTC389368).
  • Insurance products are subject to the terms and conditions of the respective insurers. Sahi Savings is not responsible for any claim rejection or settlement by the insurer.

Bill Payments

  • K2VS Finance and Investments Private Limited is a Registered Agent Institution under NPCI Bharat Connect through TJSB Sahakari Bank Ltd.
  • Refunds for failed or disputed payments follow the Refund and Cancellation Policy.

Credit Score

  • Credit scores are fetched from third-party credit bureaus and displayed as-is. The Company does not guarantee accuracy and is not responsible for errors in bureau data.
  • Credit information is retrieved subject to the Credit Information Companies (Regulation) Act, 2005.

Tax Planning

  • Tax calculations and projections are estimates based on the information you provide and current tax laws. They are indicative only and are not professional tax advice. Consult a qualified Chartered Accountant for personalised tax planning.
  • Tax rules, limits and rates change. Check the rules for the relevant financial year before acting.

Tax Tracking

  • Tax calculations and projections are estimates based on the information you provide and current tax laws. They are indicative only and are not professional tax advice. Consult a qualified Chartered Accountant for personalised tax planning.
  • Tax rules, limits and rates change. Check the rules for the relevant financial year before acting.

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