Disclosures
Risk Factors
Mutual Fund investments are subject to market risks. The value of investments may go up or down depending on various factors affecting the securities markets. The principal value of an investment may be subject to loss.
Some of the risks associated with Mutual Fund investments include:
- Market Risk – The value of investments may fluctuate due to changes in market conditions.
- Credit Risk – Investments in debt securities may be affected by the possibility of an issuer failing to meet its interest or principal payment obligations.
- Interest Rate Risk – Changes in interest rates may affect the value of debt-oriented investments.
- Liquidity Risk – Certain securities may not always be readily tradable, which may affect the ability to buy or sell investments at desired prices.
- Scheme-Specific Risks – Different schemes and investment strategies carry different risks. The applicable scheme-specific risks should be carefully considered before investing.
Past performance is not indicative of future returns. There is no assurance or guarantee that the investment objective of any Mutual Fund scheme will be achieved. Investors should carefully read the Scheme Information Document (SID), Key Information Memorandum (KIM) and Statement of Additional Information (SAI) and other applicable scheme-related documents before making an investment decision.
For detailed information on the risks associated with Mutual Fund investments, please refer to the risk information provided by the Association of Mutual Funds in India (AMFI): amfiindia.com – Risk in Mutual Funds
Scheme Documents – SID / KIM / SAI
Investors are advised to refer to the applicable Scheme Information Document (SID), Key Information Memorandum (KIM) and Statement of Additional Information (SAI) before making any investment decision.
The latest scheme-related documents are available through the respective Asset Management Company (AMC) and regulatory filings.
Commission Disclosure
Difco Investment Services, Nevil Desai & Devang Desai act as Mutual Fund Distributors and do not offer SEBI-registered investment advisory services.
They receive commissions from Asset Management Companies (AMCs) for the distribution of mutual fund schemes. These commissions are embedded in the Total Expense Ratio (TER) of the schemes and are not charged separately to investors.
Commission structures vary across AMCs and scheme categories, and are subject to change from time to time. Applicable taxes, including GST, are charged as per prevailing regulations.
| Scheme Category | Indicative Trail Commission Range |
|---|---|
| Liquid / Overnight Funds | 0.02% – 0.10% |
| Debt Schemes | 0.05% – 0.70% |
| Arbitrage Funds | 0.10% – 0.70% |
| Index Funds | 0.05% – 0.70% |
| Hybrid Schemes | 0.10% – 1.30% |
| Equity Schemes | 0.35% – 1.40% |
Note: The above commission ranges are indicative. Actual commission may vary depending on the AMC, scheme and applicable commission structure and may change from time to time. For further information on commission structures, please contact us.
Investor Grievance Redressal
Nevil Desai : Phone +91 8097794737 | Email : nevil21@gmail.com
Devang Desai : Phone +91 9712924525 | Email : difcoinv@gmail.com
Regulatory Disclosures
1. ARN Details & Validity
| Nevil Desai | Devang Desai | |
|---|---|---|
| AMFI Registration No | ARN-115499 | ARN- 0132 |
| Date of Initial Registration | 06-10-2016 | 02-02-2002 |
| Current Validity of ARN | 09-10-2025 to 07-09-2028 | 29-01-2026 to 28-01-2029 |
| SIF Validity Period | 24-01-2026 to 20-01-2029 | NA |
| APMI Registration No | APRN00937 | APRN00936 |
| Current Validity of APRN | 28-03-2026 to 27-03-2029 | 08-02-2026 to 07-02-2029 |
2. AMCs Empanelled With
Difco Investment Services, Nevil Desai & Devang Desai are empanelled with various Asset Management Companies for distribution of Mutual Fund schemes. The lists below are provided for information and may change from time to time.3. Software & Information Security
Difco Investment Services, use third-party software and technology platforms for certain operational, administrative and client-servicing activities. Where client information is processed or stored through third-party software, we take reasonable steps to use established service providers and appropriate safeguards for protection of such information. Our principal software service provider, M2M Technologies (Money2Management), has provided a certificate confirming that its information-security measures include technical and organisational safeguards for protection of client data and web applications, hosted on AWS servers.Privacy Policy
Difco Investment Services, respect the privacy of their clients, investors and website users. Our Privacy Policy sets out how personal information may be collected, used, stored and shared in connection with our services and website.