Step 1: Initial Discussion

Understand the investor's background, financial goals, and expectations. Disclose the scope of services: MF (ARN-280109), SIF, PMS (APRN-05970), and Equities via Nuvama AP (INZ000005231). Clearly inform the investor that we are NOT a SEBI Registered Investment Adviser (RIA).

Step 2: KYC Verification

Verify CKYC/KRA status and PAN details. Guide the investor through eKYC or physical KYC as applicable. Collect PAN, masked Aadhaar, address proof, photograph, and IPV (In-Person Verification) where required.

Step 3: Risk Profiling

Complete the Risk Profiling Questionnaire (RPQ), determine the investor's risk category, and maintain the assessment records for future reference.

Step 4: Investment Policy

Recommend an appropriate asset allocation based on the investor's risk profile, financial goals, and investment horizon. Explain the suitability matrix and discuss SIP, lump sum investments, and periodic portfolio review frequency.

Step 5: Account Setup

Open the BSE STAR MF folio, complete bank mandate registration, nominee registration (mandatory as per SEBI), and Investwell portal setup. For PMS, coordinate with the Portfolio Manager. For Equities, facilitate Nuvama trading account opening.

Step 6: Documentation

Collect and maintain all required documents including signed RPQ, suitability acknowledgement, execution-only consent (where applicable), FATCA/CRS declaration, nominee form, and DPDPA consent.

Step 7: First Transaction

Execute the first investment only after all documentation is complete. Provide confirmation containing folio number, scheme name, transaction details, and applicable NAV date.

Step 8: Welcome Pack

Share the Investwell login credentials, GRO contact details (Mr. Dipesh Sen), complaint process, SEBI SCORES & SMART ODR links, commission disclosure, and Privacy Policy with the investor.