Regulatory Disclosures

Entity & Registration Details

Entity Name

MoneyBag Capital Distribution

Type of Entity

AMFI Registered Mutual Fund Distributor & SIF Distributor; insurance solicited as POSP under a licensed intermediary; loan facilitation as DSA channel partner

AMFI Registration Number (ARN)

ARN-332819

Certifications

NISM Series V-A: Mutual Fund Distributors Certification Examination; NISM Series XIII: Common Derivatives Certification Examination

Registered Office

16, Arunoday Path, Hengrabari, Guwahati, Assam 781006, India

Phone

+91 9864 000 950

Website

moneybag.in

ARN registration is renewed every three years in accordance with AMFI requirements.

Nature of Business

MoneyBag Capital Distribution is registered with the Association of Mutual Funds in India (AMFI) as a Mutual Fund Distributor and is engaged in the distribution of Regular Plan mutual fund schemes of SEBI-registered Asset Management Companies (AMCs).

MoneyBag Capital Distribution is not a SEBI-registered Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013. We do not charge fees for advice and do not provide personalised investment advisory services that require IA registration.

Incidental guidance may be provided to assist investors in understanding mutual fund products and making their own investment decisions, as permitted under applicable SEBI and AMFI regulations.

In addition to mutual funds, MoneyBag Capital Distribution facilitates insurance and loan products. These are separate activities under separate regulators, and the authorisations differ — see the sections below. ARN-332819 authorises the mutual fund and SIF distribution activities only.

Insurance Distribution

Insurance products are solicited by MoneyBag Capital Distribution personnel in their capacity as a certified Point of Salesperson (POSP) attached to an IRDAI-licensed insurance intermediary. Insurance is regulated by the Insurance Regulatory and Development Authority of India (IRDAI).

MoneyBag Capital Distribution does not itself hold an IRDAI broker or corporate agent licence, and does not represent itself as an insurance broker. The licensed intermediary through whom business is placed is disclosed to every client before a proposal is submitted, and appears on all policy documentation issued by the insurer.

Insurance Disclaimer

INSURANCE IS THE SUBJECT MATTER OF SOLICITATION. FOR MORE DETAILS ON BENEFITS, EXCLUSIONS, LIMITATIONS, TERMS AND CONDITIONS, PLEASE READ THE SALES BROCHURE AND POLICY WORDING CAREFULLY BEFORE CONCLUDING A SALE.

• Insurance is a contract of protection, not an investment product, and must not be evaluated on returns alone
• Benefits, bonuses, maturity values and fund values shown in any illustration are not guaranteed unless the policy expressly states otherwise
• All policies carry exclusions, waiting periods and limitations — including pre-existing disease waiting periods on health cover
• Unit Linked Insurance Plans (ULIPs) are market-linked; the investment risk in the investment portfolio is borne by the policyholder
• Premiums, acceptance and terms are determined solely by the insurer, subject to underwriting
• IRDAI registration of any intermediary or insurer does not constitute endorsement of any product

Beware of spurious calls. IRDAI does not engage in the sale of insurance policies, announce bonuses, or invest premiums. Anyone receiving such calls should report them to the authorities.

Loan Distribution

MoneyBag Capital Distribution facilitates loan applications as a Direct Selling Agent (DSA) channel partner. Loans are provided by banks and Non-Banking Financial Companies (NBFCs) regulated by the Reserve Bank of India.

MoneyBag Capital Distribution is not a lender. We do not lend money, accept deposits, or issue credit. We assist borrowers in identifying suitable lenders, preparing documentation, and submitting applications. Sanction, interest rate, tenure and all other terms are determined solely by the lender in accordance with its own credit policy.

• We do not guarantee loan approval, eligibility, sanction amount, interest rate, or disbursal timeline
• Interest rates and charges are set by the lender and vary by applicant profile, credit history and product
• We do not charge borrowers any fee for arranging or facilitating a loan; we are compensated by the lender upon successful disbursal
• Any processing fee, valuation charge or other cost is levied by the lender directly and disclosed in the lender's sanction letter
• Information shared for a loan enquiry is passed to the channel partner and prospective lenders solely to process that enquiry

Borrowers should read the sanction letter and loan agreement in full, including the schedule of charges and prepayment terms, before accepting any offer.

Specialized Investment Fund (SIF) Distribution

MoneyBag Capital Distribution is registered with AMFI as a SIF distributor under ARN-332819, in addition to its registration as a Mutual Fund Distributor. We hold the NISM Series V-A Mutual Fund Distributors certification and the NISM Series XIII Common Derivatives certification, which together meet SEBI's certification requirement for SIF distribution.

Specialized Investment Funds are offered by SEBI registered mutual funds under a brand and website separate from their mutual fund schemes. A minimum investment of Rs 10 lakh applies per investor, across all investment strategies of a SIF, at PAN level, except for accredited investors. SIF investment strategies may take unhedged short exposure through exchange traded derivatives of up to 25% of net assets. Subscription and redemption may be less frequent than daily and may be subject to a notice period, as set out in each strategy's Investment Strategy Information Document.

MoneyBag Capital Distribution distributes SIFs and is not a SEBI-registered Investment Adviser. We are paid commission by the asset management company on SIF investments made through us, and the amount is available on request.

Investments in Specialized Investment Fund involves relatively higher risk including potential loss of capital, liquidity risk and market volatility. Please read all investment strategy related documents carefully before making the investment decision.

Risk Disclosures

Mandatory SEBI / AMFI Disclaimer

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Additional risk disclosures applicable to all mutual fund investments:

• The Net Asset Value (NAV) of mutual fund units may go up or down depending on market conditions
• Past performance of any scheme or fund manager does not guarantee future performance
• Investors may receive back less than the amount originally invested
• Equity funds are subject to equity and related market risks
• Debt funds are subject to interest rate risk and credit/default risk
• Hybrid funds carry both equity and debt risks
• Liquid and money market funds, while lower risk, are not risk-free and may experience negative returns under exceptional conditions
• Schemes with exposure to international securities carry currency risk and sovereign risk in addition to market risk
• Tax treatment of mutual fund investments is subject to change under applicable law

Past Performance Disclaimer

Past performance of any mutual fund scheme is not necessarily indicative of future performance. Returns mentioned anywhere on this website are historical and do not represent a promise or guarantee of future returns. Information about past performance should not be relied upon as the basis for investment decisions.

Commission & Conflict of Interest Disclosure

MoneyBag Capital Distribution receives trail commission only from AMCs for the distribution of Regular Plan mutual fund schemes. Upfront commission to mutual fund distributors has been prohibited since SEBI Circular No. SEBI/HO/IMD/DF2/CIR/P/2018/137 dated October 22, 2018, which mandated a full trail model for all distributor remuneration. This arrangement may create a potential conflict of interest in recommending one scheme over another.

Plans Distributed

Regular Plans only

Commission Structure

Trail commission only — paid by AMCs to distributor (upfront commission prohibited since October 22, 2018)

Effect on Investors

Regular Plans have a higher Total Expense Ratio (TER) than Direct Plans of the same scheme

Commission Disclosure

Available on request — call +91 9864 000 950

Investors who wish to avoid distributor commissions may invest in Direct Plans directly through the respective AMC or through a SEBI-registered Investment Adviser (RIA).

This disclosure is made in accordance with AMFI circular guidelines and SEBI (Mutual Funds) Regulations, 1996.

KYC Compliance

Completion of the Know Your Customer (KYC) process is mandatory for all investors before making any mutual fund investment, as required by SEBI and AMFI. KYC is a one-time, pan-India process — once completed with any SEBI-registered intermediary, it is valid across all mutual fund investments.

MoneyBag Capital Distribution uses KYC Registration Agencies (KRAs) authorised by SEBI — including CAMS KRA, CDSL Ventures, NDML, and NSDL — for KYC verification and record maintenance.

AML / PMLA Compliance

MoneyBag Capital Distribution complies with the Prevention of Money Laundering Act, 2002 (PMLA) and rules made thereunder. We maintain all required client records for a minimum period of five years. Suspicious transactions are reported to the Financial Intelligence Unit — India (FIU-IND) as required by law.

AMFI Code of Conduct

MoneyBag Capital Distribution adheres to the Code of Conduct for Mutual Fund Distributors as prescribed by AMFI (revised April 2022). In accordance with the Code, we:

• Do not guarantee or assure any returns on investments
• Do not offer rebates, gifts, or any form of commission pass-back to investors
• Do not misrepresent scheme features, past performance, or projected returns
• Do not use titles implying SEBI Investment Adviser registration (e.g., "financial advisor", "wealth consultant") without such registration
• Assess investor suitability and risk profile before recommending any scheme
• Disclose all material conflicts of interest to investors

A copy of the AMFI Code of Conduct for MFDs is available at amfiindia.com.

Investor Grievance Redressal

Investors with grievances or complaints may use the following escalation path:

Contact MoneyBag Capital Distribution

Phone: +91 9864 000 950

Response within 15 working days

SEBI SCORES Portal

For unresolved complaints

SEBI Online Dispute Resolution (ODR)

SEBI-mandated ODR platform

AMFI Investor Helpline

1800-22-7626 (toll-free)

Mutual fund distribution disputes are not covered by the Exchange Investor Redressal Forum or stock exchange arbitration mechanisms, which apply exclusively to broking activities.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

An AMFI Registered Mutual Fund Distributor | ARN-332819