Compliance & Regulatory Disclosures

1. About Us

AHUJA Financial Services (“AFS”) is a sole proprietorship concern owned and operated by Mr. Ahuja Jagdish Gulabchand, engaged in distribution of Mutual Funds, Insurance products, and facilitation of stock broking services through registered intermediaries.

2. Regulatory Information

2.1 Proprietor Details

• Name of Proprietor: Mr. Ahuja Jagdish Gulabchand
• Trade Name: AHUJA Financial Services
• Registered Address: 2nd Floor, 215 Siddhi Vinayak Complex, Dana Pith, Near Civil Hospital, Near Post Office, Rajkot, Gujarat, India - 360001

2.2 SEBI / AMFI Related Disclosures

• Mr. Ahuja Jagdish Gulabchand is registered with the Association of Mutual Funds in India (AMFI) as a Mutual Fund Distributor.
• ARN Number: 85495
• EUIN: E070888
• SIF Registration: Registered in the name of Mr. Ahuja Jagdish Gulabchand
• The firm operates as a Mutual Fund Distributor and does not provide investment advisory services under SEBI (Investment Advisers) Regulations unless separately registered.

2.3 Stock Broking (Sub-Broker / Authorized Person)

• We act as an Authorized Person / Sub-Broker of a SEBI-registered Stock Broker:
• Broker Name: RELIGARE BROKING LTD14
• SEBI Registration Number: INZ000174330

2.4 IRDAI Related Disclosures

• Mr. Ahuja Jagdish Gulabchand is authorized to solicit and distribute insurance products of IRDAI-registered insurance companies.
• IRDAI License Number / POSP Code: 0188753066

2.5 RBI Related Disclosure

• AHUJA Financial Services is not a Bank or Non-Banking Financial Company (NBFC).
• We do not accept deposits.
• Any loan or credit-related services are offered through duly regulated third-party institutions.

3. General Disclaimers

4. Nature of Services / No Advisory Disclaimer

• AHUJA Financial Services acts as a distributor and facilitator of financial products.
• We do not provide investment advisory services or portfolio management services unless specifically registered with SEBI under applicable regulations.
• All investment decisions are taken by the client at their own discretion.

5. Conflict of Interest Disclosure

• We may receive commissions, brokerage, or incentives from mutual fund houses, insurance companies, or stock brokers.
• However, incidental recommendations are made based on client suitability, financial goals, and risk profile.

6. Risk Profiling & Suitability

• Investment incidental recommendations are based on the risk profile and information provided by the client.
• Clients are advised to provide accurate information and review their risk profile periodically.

7. KYC & AML Compliance

• We comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) guidelines prescribed by SEBI, IRDAI, and RBI.
• Clients may be required to submit KYC documents before availing services.

8. Data Privacy & Protection

• We collect personal information such as name, contact details, financial information, and KYC documents solely for service and regulatory purposes.
• We do not sell or share client data with unauthorized third parties.
• Reasonable security measures are implemented to protect client data.

9. Limitation of Liability

• AHUJA Financial Services / Mr. Ahuja Jagdish Gulabchand shall not be liable for any losses arising from investment decisions taken by clients.
• Investment performance is subject to market risks and external factors.

10. Grievance Redressal Mechanism

For any complaints or grievances, please contact:

• Email: afs.rajkot@yahoo.in
• Contact Number: 9558853121

If unresolved, clients may escalate to:

• SEBI SCORES Platform: https://scores.sebi.gov.in
• IRDAI Grievance Portal: https://igms.irda.gov.in

11. Terms & Jurisdiction

• All services are governed by applicable laws and regulations in India.
• Any disputes shall be subject to the jurisdiction of courts in Rajkot, Gujarat.

12. Updates to This Disclosure

AHUJA Financial Services reserves the right to update this page at any time without prior notice.