Legal

Investment Risk Disclosure

Last updated: July 2026

Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

All investments involve varying levels of risk. Market values may rise or fall depending on economic conditions, market movements and factors beyond the control of any investor or advisor. Before making any investment decision, you should carefully consider the nature of the product, your financial goals, your risk tolerance and your investment horizon.

Market Risk

The value of investments can go up or down. Market movements can be caused by economic, political, currency or other factors, and may result in losses.

No Guaranteed Returns

Returns are not guaranteed unless specifically provided under the terms of a regulated financial product (for example, certain fixed-income instruments). Even in such cases, guarantees are subject to the terms and conditions of the underlying product and the ability of the issuer to honour those guarantees.

Past Performance

Past performance of any fund, strategy or investment product should not be relied upon as an indicator of future performance. Historical returns may not repeat, and future outcomes may differ significantly.

Suitability

Investment products may not be suitable for every investor. The suitability of a product depends on individual factors including financial goals, income, existing investments, family responsibilities, risk profile and time horizon. Discuss any investment decision with a qualified financial advisor before proceeding.

Types of Risk

Equity Risk

Equity investments are subject to market volatility. Short-term price movements can be significant and may not reflect underlying business performance.

Interest Rate Risk

The value of debt instruments can be affected by changes in interest rates. When rates rise, bond prices generally fall, and vice versa.

Credit Risk

Debt instruments carry the risk that the issuer may be unable to pay interest or repay principal on time.

Liquidity Risk

Certain investments may not be easily sold or converted to cash without a significant impact on price, especially during periods of market stress.

Currency Risk

Investments in foreign markets or by NRIs may be affected by changes in exchange rates, which can affect returns when converted back to the investor's home currency.

Regulatory Risk

Changes in tax laws, regulations or government policies can affect the returns and treatment of investments.

Investor Responsibility

Investors are advised to read all offer documents, key information memoranda and scheme-related documents carefully before investing. Any decision to invest, hold or redeem an investment is the sole responsibility of the investor.