No. Kshem Finvest / Raajeish Agrawal is not registered with SEBI as an Investment Adviser. Raajeish Agrawal is an AMFIregistered Mutual Fund Distributor, ARN-6657. Mutual Fund related guidance, wherever provided, is incidental to Mutual Fund Distribution activity.

Yes. Mutual Fund distribution is undertaken through Raajeish Agrawal | ARN-6657 | AMFI-registered Mutual Fund Distributor

A Regular Plan is generally routed through a Mutual Fund Distributor, and the AMC may pay trail commission to the distributor. A Direct Plan does not involve a distributor and generally carries a lower expense ratio than the corresponding Regular Plan. Investors are free to choose either route.

It is a structured financial-awareness exercise designed to help families understand their present financial position, important financial ratios, corpus requirements and financial gaps. It may include savings, emergency reserves, liquidity, debt, insurance adequacy, future goals and Financial Freedom corpus requirements. It is an educational and analytical exercise and not a SEBI Registered Investment Advisory service.

No. Calculations depend upon assumptions such as inflation, expenses, time horizon and other variables. Actual results can differ materially.

Life Insurance services are facilitated by Raajeish Agrawal through Life Insurance Corporation of India, Agent Code 01042935.

Subject to current authorisation and eligibility: Raajeish Agrawal - Star Health and Allied Insurance Co. Ltd. (BA0000002538); Pratiik Agrawal - Care Health Insurance Ltd. (20071308); Priyanka Agrawal - Niva Bupa Health Insurance Co. Ltd. (MUM0124763).

Raajeish Agrawal - United India Insurance Co. Ltd. (AGD0042297); Pratiik Agrawal - HDFC ERGO General Insurance Co. Ltd. (200820254881), subject to current authorisation and applicable insurer requirements.

Yes. We assist with claim documentation and coordination. Final admission and settlement of a claim is decided by the respective insurer according to the policy contract and applicable law.

Yes. We facilitate Fixed Deposit applications through applicable authorised/empanelled arrangements, including HDFC Bank Deposit and, subject to current empanelment, Bajaj Finance, Shriram Finance and Mahindra Finance. NBFC/corporate deposit repayment is dependent upon the respective issuer and is not guaranteed by Kshem Finvest.