Disclosure

Disclosure of MITC as per SEBI Investment Advisor Regulations

As per the SEBI Investment Advisor Regulations, and notification SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/19 dated 17th Feb, 2025 we are required to provide you with the MOST Important Terms and Conditions (MITC) of the agreement executed between us and ensure that you are informed of all relevant details regarding your investments.

The MITC includes:

Scope of our advisory services
Fees and charges structure
Risks associated with investments
Your rights and obligations as a client
Our duties as your SEBI-Registered Investment Advisor
Details regarding grievance redressal and dispute resolution

This disclosure is part of our commitment to transparency and compliance with regulatory requirements while ensuring your interests are protected.

No action is required from you at this stage unless you have queries.
However, we request you to go through the attached MITC for your reference.

If you have any questions or need further clarification, please feel free to reach out at help@dyotasolutions.com

MOST IMPORTANT TERMS AND CONDITIONS (MITC)

Please find below summary of Most Important Terms and Conditions executed through agreement between us.

Introduction

In accordance with the SEBI (Investment Advisor) Regulations, 2013 and subsequent amendments. It outlines the terms, conditions, and important disclosures related to our advisory services.

Scope of Service

We, as a SEBI-registered Investment Advisor (RIA), provide investment advisory services in mutual funds and related products based on your risk profile, investment objectives, and suitability assessment.
We do not accept any consideration from mutual fund distributors, asset management companies, or any other intermediary in respect of the distribution of mutual fund products.

Fees and Charges

Our advisory fee structure has been shared with you in the Client Agreement.
No commission or incentive is received by us from any mutual fund or third-party product provider.
The Investment Advisor (IA) shall only accept payments towards its fees for Investment Advisory Services and is not permitted to accept funds or securities in its account on the client’s behalf.
The fee charged by IA to the client will be subject to the maximum of amount prescribed by SEBI/Investment Advisor Administration and Supervisory Body (IAASB) from time to time (applicable only for Individual and HUF Clients).
- The current fee limit under Fixed Fee mode is Rs 1,51,000/- per annum per family of client. Under Assets under Advice (AUA) mode, maximum fee limit is 2.5 per cent of AUA per annum per family of client.
- The IA may change the fee mode at any time with the client’s consent; however, the maximum fee limit in such cases shall be higher of fee limit under the fixed fee mode or 2.5 per cent of AUA per annum per family of client.
- The fee limits do not include statutory charges.
- The fee limits apply only for investment advice related to securities under purview of SEBI.
- The fee limits do not apply to a non-individual client / accredited investor.
IA may charge fees in advance if agreed by the client. Such advance shall not exceed the period stipulated by SEBI; presently it is maximum one year. In case of premature termination of the IA services by the client or the IA, the client shall be entitled to seek refund of proportionate fees only for an unexpired period. However, IA is entitled to retain a maximum breakage fee of not greater than one-quarter fee.
Fees to IA may be paid by the client through any of the specified modes like cheque, online bank transfer, UPI, etc. Cash payment is not allowed. Optionally the client can make payments through Centralized Fee Collection Mechanism (CeFCoM), managed by BSE Limited (i.e. currently recognized IAASB).

Risk Factors

Investments are subject to market risks, including the possible loss of principal.
Past performance of a scheme or advisor does not guarantee future performance.
Economic, political, and market conditions can affect the performance of investments.
The IA does not guarantee returns, accuracy, or risk-free investments. All advice is subject to market risks, and there is no assurance of any returns or profits.
Any assured/guaranteed/fixed returns schemes or any other schemes of similar nature are prohibited by law. No scheme of this nature shall be offered to the client by the IA.
Investment advice related only to securities falls under the purview of SEBI. In case any services offered by the IA relate to products/services not under SEBI’s purview, the IA shall disclose this to the client and obtain appropriate declarations and undertakings stating that such products/services are outside SEBI regulation and no recourse with SEBI is available for related grievances.
This agreement is for investment advisory services provided by the IA. The IA cannot execute or carry out any trade (purchase/sell transaction) on behalf of the client without specific and explicit consent for each trade.
The SEBI registration, enlistment with IAASB, and NISM certification do not guarantee the performance of the IA or assure returns to the client.

Investment Approach & Suitability

The IA is expected to know the client’s financial details for providing services. Hence, the client is required to share financial information (e.g., income, existing investments, liabilities, etc.) with the IA.
The IA is required to carry out the client’s risk profiling and suitability analysis before providing services and thereafter on an ongoing basis. The services provided will be in line with the assessed risk profile. The IA shall also communicate the assessed risk profile to the client.

Client Rights and Obligations

You have the right to receive fair and unbiased advice based on your risk profile and objectives.
You may seek clarifications on advisory recommendations.
You may terminate the advisory relationship by providing written notice as specified in the client agreement.
It is your responsibility to provide accurate information regarding your financial situation, risk tolerance, and investment objectives for accurate advice.
Clients are required to keep contact details, including email ID and mobile number(s), updated with the IA at all times.
The IA shall never ask for the client’s login credentials or OTPs for the client’s Trading Account, Demat Account, or Bank Account. Never share such information with anyone, including the IA.

Grievance Redressal

If you have any grievance, you may contact us at:

SEBI SCORES Platform: https://scores.sebi.gov.in/
SEBI Regional Office: SEBI Chennai Office, Overseas Towers, 7th Floor, 756 Anna Salai, Chennai 600002
If the client remains dissatisfied with the outcome of the SCORES complaint, the client may consider Online Dispute Resolution (ODR) through the SMART ODR portal at https://smartodr.in

Conflicts of Interest

We disclose that we do not have any association with any intermediary or product provider that will affect the objectivity of our advice.
We receive no remuneration or incentive from third parties for the recommendations provided.
As part of conflict of interest management, the client or the client’s family members will not be provided any distribution services by the IA or any of its group entities/family members. The IA shall, wherever available, advise direct plans (non-commission-based) of products only.
The IA shall endeavor to promptly inform the client of any conflict of interest that may affect the services being rendered to the client.

Disclosures

We are registered with SEBI as an Investment Advisor under Registration No. INA000007216 & BSE Enlistment No: 1376.
We have complied with the qualification and certification requirements as mandated under the SEBI regulations.
We adhere to confidentiality and data privacy requirements for all your personal and financial information.

Deeraj Shetty - Your Personal CFO

PAIA Associated with Dyota Solutions Private Limited

SEBI RIA: INA000007216 - BSEASL ID: 1376

Validity: Perpetual, Entity Type: Non-Individual

Registered Office

B615, Twin Tower CHS, Manish Park, Pumphouse, Andheri (E), Mumbai - 400 093

Correspondence Address/Principal Place of Business

403, Redifice Strada, Sadashivanagar, Bengaluru - 560 080

SEBI Office Address

Overseas Towers, 756L Anna Salai, Chennai - 600 002

Disclosure of MITC as per SEBI Investment Advisor Regulations

Disclosure

Disclosure