What we are, how we are paid, and where to complain.

Ramachandran Kothanath is registered with the Association of Mutual Funds in India (AMFI) as a mutual fund distributor under ARN-284604, valid from 10 Aug 2026 until 04 Jan 2030. Our Employee Unique Identification Number is E528789.

We are not registered with SEBI as an Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013, and we do not provide investment advice for a fee.

We distribute regular plans of mutual fund schemes. The asset management company pays us a trail commission out of the scheme's expense ratio. The rate is set by the scheme and varies by category, so it differs across the funds you hold.

You pay us nothing directly. The commission is already reflected in the net asset value of the regular plan you hold, which is why a regular plan's returns are lower than the corresponding direct plan's.

The commission structure for every scheme we recommend is disclosed in your plan document before you invest.

Because trail commission varies between scheme categories, a distributor has a financial incentive to recommend higher-commission categories. We disclose the commission on each recommendation so you can judge it yourself.

We do not accept upfront commissions, contests, foreign trips or other non-cash incentives from any asset management company.

Insurance is distributed under a separate IRDA registration, not under our AMFI ARN, and is remunerated separately. We do not present an insurance policy as a substitute for an investment.

We do not manage your money, hold custody of it, or have the ability to transact in your folios without your authorisation. All investments are made in your own name, through registered platforms, with units held directly with the registrar.

We do not guarantee returns, and any statement to the contrary made by any person on our behalf is unauthorised.

We do not sell, rent or share your personal data with third parties for marketing.

Write to ar.associates1957@gmail.com or call +91 96771 28566. We acknowledge every complaint in writing and tell you who is handling it.

If you are not satisfied with our response, you may escalate to the relevant asset management company's investor relations officer, and thereafter to SEBI through the SCORES portal at scores.sebi.gov.in or the SEBI toll-free helpline.

Complaints regarding a distributor's conduct may also be raised with AMFI at amfiindia.com.

Every calculator on this site performs arithmetic on assumptions you enter. The outputs are illustrations of compound growth, not projections, forecasts or guarantees of any scheme's performance.

Unless stated otherwise, calculator outputs are before tax and before exit load, and assume a constant rate of return that no real market delivers.

Mutual fund investments are subject to market risks. Read all scheme related documents carefully.