Disclaimer

1. About Chavan Capital

Chavan Capital is an AMFI Registered Mutual Fund Distributor registered under ARN-324301, with its principal office at Chaware Complex, Solapur Road, Madha, Tal. Madha, Dist. Solapur, Maharashtra – 413209.

Chavan Capital is registered with and regulated by the Association of Mutual Funds in India (AMFI). Our ARN-324301 registration can be independently verified at www.amfiindia.com.

We operate in compliance with all applicable AMFI and SEBI guidelines governing mutual fund distributors in India.

2. Not Investment Advice

The information, fund recommendations, portfolio suggestions, financial planning guidance, and educational content provided by Chavan Capital — whether on this website, in person, via WhatsApp, phone, or any other channel — is:

• Based on publicly available information and your disclosed financial profile
• Provided for general informational and educational purposes only
• Not a substitute for independent professional investment advice
• Not a solicitation to buy or sell any specific financial product

You are strongly encouraged to consult a SEBI Registered Investment Advisor, a Chartered Accountant, and/or a legal advisor before making any investment decisions, particularly for large or complex financial matters.

3. Market Risk Disclosure

Investing in mutual funds involves financial risk. Before investing, you should clearly understand the following:

• Capital Risk: You may get back less than the amount you invest. There is no capital protection in equity mutual funds.
• Market Volatility: The value of investments can fluctuate significantly due to equity market movements, interest rate changes, currency fluctuations, and economic conditions.
• Past Performance: Historical returns of a scheme, fund manager, or asset class do not predict or guarantee future returns. Performance figures shown on this website are illustrative only.
• Liquidity Risk: While most mutual fund units are redeemable, certain scheme types (ELSS, close-ended funds) have lock-in periods during which redemption is not possible.
• Concentration Risk: Sector-specific or thematic funds are subject to higher risk due to their concentrated investment strategy.
• Credit Risk: Debt fund NAVs can be affected by credit rating downgrades or defaults of underlying securities.
• Interest Rate Risk: Debt fund returns are inversely affected by rising interest rates.

4. Distributor Status — What We Are and Are Not

Your investments are always held directly in your name with the respective AMC and are accessible through CAMS or KFintech registrar portals regardless of your relationship with us.

5. Commission & Remuneration Disclosure

In the interest of full transparency, Chavan Capital discloses the following regarding its remuneration model:

• Chavan Capital earns commissions (upfront and/or trail) from Asset Management Companies (AMCs) for distributing their mutual fund schemes
• These commissions are built into the Total Expense Ratio (TER) of Regular Plan schemes and do not represent an additional charge to investors
• Regular Plan schemes have a higher TER than Direct Plan schemes of the same fund due to the distributor commission component
• The specific commission amounts are disclosed in the Common Application Form at the point of investment as mandated by AMFI regulations
• This commission structure means that Chavan Capital has a financial interest in distributing mutual fund products — a conflict of interest that we actively manage by prioritising client suitability in all recommendations

6. Calculator and Illustration Disclaimer

The SIP Calculator, Lumpsum Calculator, and any other financial calculation tools or return illustrations on the Chavan Capital website are provided strictly for educational and illustrative purposes only.

• Calculator results are based on assumed rates of return entered by the user and do not represent actual, projected, or guaranteed returns
• Results do not account for exit loads, taxation, inflation, or market volatility
• Historical return figures used in examples (e.g., "12% annual return") are illustrative only and are not promises of future performance
• Actual investment returns will vary based on market conditions, scheme performance, and timing of investment
• The calculators are not financial planning tools and should not be used as the sole basis for investment decisions

7. Third-Party Links and Platforms

Our website may contain links to external websites and platforms including AMC websites, InvestWell, AMFI, SEBI's SCORES portal, and others. Chavan Capital:

• Does not endorse or take responsibility for the content, privacy practices, or accuracy of any third-party website
• Is not liable for any loss or damage arising from your use of third-party platforms
• Has no control over the availability, terms, or changes to third-party services

We recommend reviewing the terms and privacy policies of any external platform before submitting personal or financial information.

8. Testimonials and Client Stories

Client testimonials, reviews, and success stories published on this website represent the personal opinions and experiences of individual clients. They are:

• Based on that individual's specific investment experience, timing, and financial circumstances
• Not representative of returns that other investors will experience
• Not guarantees of future performance or investment outcomes
• Not solicitations to invest based on another person's experience

Individual investment results will vary. Past client experiences do not predict your investment outcome.

9. Website Information Accuracy

Chavan Capital makes every reasonable effort to ensure the accuracy and currency of information published on this website. However:

• Financial market information, fund performance data, and regulatory guidelines change frequently — information on this website may not reflect the most current position
• We do not warrant that the website will be free from errors, omissions, or inaccuracies
• The website may be temporarily unavailable due to maintenance, technical issues, or factors beyond our control
• Chavan Capital is not liable for any decisions made based solely on information found on this website

For the most accurate and up-to-date scheme information, always refer to the official AMC website and the scheme's current Scheme Information Document (SID).

10. Tax Disclaimer

Tax-related information shared by Chavan Capital — including information about Section 80C deductions, ELSS tax benefits, LTCG/STCG on mutual funds, and Dividend Distribution Tax — is provided for general awareness purposes only.

• Tax laws in India are subject to frequent amendment by the Government and Finance Ministry
• Tax treatment of mutual fund investments depends on your individual tax residency status, income bracket, holding period, and other personal factors
• The tax illustrations shared by us are based on laws in effect at the time of communication and may not reflect subsequent amendments
• Chavan Capital does not provide tax advice and is not a tax consultant or Chartered Accountant

11. Regulatory Contacts & Escalation

If you have a concern about our conduct or wish to verify our credentials, please use the following official channels: