Client Onboarding Policy

A structured, compliant and documented process for onboarding new clients (individual and non-individual), completing KYC, collecting declarations, registering on platforms and maintaining records securely. Every client completes onboarding before any transaction.

Online Onboarding (8 Steps)

1. Introductory meeting — understand goals, income, existing investments and risk comfort; explain services; clarify we are NOT a SEBI-registered Investment Adviser; share commission disclosure and the grievance process up front.
2. Collect information & KYC — PAN, Aadhaar, address & bank proof, photograph, nomination (and entity documents/UBO/FATCA for non-individuals); check KYC via CAMS/CVL KRA/CKYC; initiate eKYC if needed.
3. Risk profiling — administer the RPQ; client signs the RPQ and Risk Profile Acceptance Declaration; discuss the result.
4. Platform registration & mandate — register on BSE STAR MF with ARN-255332 and EUIN; set up e-NACH/UPI mandate for SIP; initiate PMS documentation where applicable.
5. First transaction & documentation — process the first investment per suitability; confirm within 24 hours; create physical + digital client folder.
6. Welcome communication — within 24 hours: RM contact, grievance process & GRO, commission disclosure, and key resource links (SCORES, SMART ODR, AMFI).
7. Back-office entry — enter all details in MINT by Investwell; update the client master.
8. Record & archive — retain all onboarding records for a minimum of 5 years per PMLA.

Documents Collected

Document	Individual	Non-Individual
PAN Card	Mandatory	Mandatory (entity PAN)
Aadhaar	Mandatory (eKYC)	N/A
Address Proof	Mandatory	Mandatory (registered office)
Bank Details (cancelled cheque)	Mandatory	Mandatory
FATCA/CRS Self-Declaration	Mandatory	Mandatory
Risk Profiling Questionnaire	Mandatory	Mandatory
Commission Disclosure Acknowledgement	Mandatory	Mandatory
Resolution / Trust Deed / Partnership Deed	N/A	Mandatory
UBO Declaration (10%+ owners)	N/A	Mandatory