Risk Profiling & Suitability Policy

RPQ Areas

Age / Life Stage
Income and Savings Capacity
Existing Portfolio / Net Worth
Investment Experience (Years, Products)
Investment Time Horizon
Risk Tolerance (Ability to withstand temporary losses)
Loss Capacity (Maximum Drawdown)
Financial Goals
Liquidity Needs
Product Knowledge (MF / SIF / PMS / Equities)

Risk Classification

Tier	Profile	Score	Suitable MF / SIF	PMS / Equities
1	Conservative	0–20	Liquid, Overnight, Ultra Short, Money Market, Low Duration, Banking & PSU Debt, Corporate Bond	Not Suitable
2	Moderately Conservative	21–35	Short Duration, Medium Duration, Gilt, Dynamic Bond, Conservative Hybrid, Arbitrage, Equity Savings	PMS Debt Only
3	Moderate	36–50	Balanced Advantage, Multi Asset, Aggressive Hybrid, Large Cap, Index ETF, ELSS	PMS Balanced, Large Cap Equities
4	Moderately Aggressive	51–65	Flexi Cap, Multi Cap, Large & Mid Cap, Value, Contra	PMS Multi Cap, Equity Cash
5	Aggressive	66–80	Mid Cap, Small Cap, Sectoral/Thematic, SIF (Eligible)	PMS Aggressive, F&O Hedged, Commodity
6	Very Aggressive	81–100	Small Cap Concentrated, International, SIF with Leverage / Derivatives	PMS High Conviction, Naked F&O, Leveraged Commodity

Suitability Rules

No scheme above the investor's approved risk ceiling.
Unsuitability protocol applies if the investor insists (Written Declaration + Execution-Only Consent).
SIF is suitable only for Tier 5 and Tier 6 investors.
PMS is suitable for Tier 3+ investors with a minimum investment of ₹50 Lakhs.
F&O is suitable for Tier 5+ investors with documented F&O knowledge.
Risk profile should be reassessed annually, on life events, or whenever requested.
All records are maintained for DDO and regulatory audit purposes.

Unsuitability Protocol

Issue a Written Unsuitability Declaration to the investor.
Obtain a signed Execution-Only Consent acknowledging the unsuitability and accepting full responsibility.
Tag the transaction as "Execution Only" in the back-office system.

About Us

For over 45 years, Credible has been synonymous with professionalism, performance, and trust. Our seasoned team of investment professionals brings together decades of collective experience in wealth management, financial investing, and strategic asset allocation. We take pride in helping our clients navigate the complexities of financial markets through a disciplined and research-backed approach.

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Disclaimer – Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.
Investments in Specialized Investment Fund (SIF) involve relatively higher risk including potential loss of capital, liquidity risk and market volatility. SIF strategies may use derivatives and leverage. Please read all investment strategy related documents carefully before making the investment decision.
Investments in the securities market are subject to market risks, read all the related documents carefully before investing. All stock broking, trading, settlement, and related activities are carried out by Nuvama Wealth and Investment Limited and governed by the Stock Broker’s policies and SEBI regulations.
The Company receives trail commission from AMCs for distribution of MF and SIF products in Regular Plans, distribution fees from Portfolio Managers for PMS, and a share of brokerage from Nuvama for securities transactions, as permitted under SEBI and AMFI regulations. No commission or fee is charged directly to investors for MF/SIF distribution.
Abhinav Mehta Capital Private Limited makes no warranties or representations, express or implied. We are NOT a SEBI Registered Investment Adviser. For personalized investment advice, please consult a SEBI-registered Investment Adviser. Terms and conditions of the website are applicable.

Abhinav Mehta Capital Private Limited

CIN: U66190DL2023PTC415494
GSTIN: 08AAYCA8700E1ZF

Grievance Officer: Mr. Dipesh Sen | support@credible.live | +91-9414145600