Everything you need to know about investing with Khazana Associates —
AMFI Registered Mutual Fund Distributor | ARN: 131419

SECTION 1 — About Khazana Associates

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Q1. What is Khazana Associates?
Khazana Associates is an AMFI Registered Mutual Fund Distributor (ARN: 131419) and APMI Registered PMS Distributor (APRN: APRN00201) founded in 2017. We help individuals, families, HNIs and NRIs invest in mutual funds, PMS, stocks, fixed deposits and bonds. We also offer tax consultancy and legal services including Will creation and estate planning. We serve investors across Gurugram, Bhubaneswar, Hyderabad and Pune.

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Q2. Who is the founder of Khazana Associates?

​Santosh Badhei is the Founder of Khazana Associates. He is a Certified Wealth Manager and NISM certified Mutual Fund Distributor with over 20 years of banking experience at Standard Chartered Bank, HDFC Bank, ING Vysya Bank and ICICI Bank. He holds multiple NISM certifications including Mutual Fund Distributor, Certified Retirement Adviser and Certified PMS Distributor.

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Q3. Where are your offices located?

We have two offices: Branch Office: Cabin No.14, 4th Floor, 419-424, JMD Megapolis IT Park, Sohna Road, Sector-48, Gurugram — 122018, Haryana Phone: +91-9873416374 & Registered Office: EB 26, Stage 5, BDA Colony, Laxmisagar Road, Bhubaneswar — 751006, Odisha Phone: +91-9315599408 We also serve investors in Hyderabad and Pune.

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Q4. Is Khazana Associates regulated by SEBI?

Yes. Khazana Associates is regulated by SEBI and AMFI. We are an AMFI Registered Mutual Fund Distributor (ARN: 131419). All our mutual fund transactions are processed directly with SEBI regulated Asset Management Companies (AMCs). We comply fully with all SEBI and AMFI guidelines and regulations.

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SECTION 2 — Mutual Funds

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Q5. What is a Mutual Fund?

A mutual fund is a professionally managed investment vehicle that pools money from multiple investors and invests it in stocks, bonds or other securities. Each investor owns units of the fund proportional to their investment. Mutual funds in India are regulated by SEBI and managed by SEBI registered Asset Management Companies (AMCs). Mutual fund investments are subject to market risks.

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Q6. What is the difference between a Mutual Fund Distributor and an Investment Adviser?

​A Mutual Fund Distributor (MFD) is registered with AMFI and facilitates investment transactions between investors and AMCs. An MFD earns trail commission from AMCs. A SEBI Registered Investment Adviser (RIA) charges a fee directly from the client for providing investment advice. Khazana Associates is an AMFI Registered MFD — we do NOT provide Investment Advice as defined under SEBI (Investment Advisers) Regulations, 2013.​

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Q7. What types of mutual funds do you distribute?

We distribute all major categories of mutual funds including:

• Equity Funds — Large Cap, Mid Cap, Small Cap, Flexi Cap, Sectoral

• Debt Funds — Liquid, Short Duration, Corporate Bond

• Hybrid Funds — Balanced Advantage, Aggressive Hybrid

• ELSS Tax Saving Funds — Section 80C benefit

• Index Funds and ETFs - International Funds - Retirement Funds

• Children's Funds

We distribute schemes from all major AMCs including SBI MF, HDFC AMC, ICICI Prudential, Axis MF, Kotak MF, Mirae Asset and more.

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​Q8. Is investing through a Mutual Fund Distributor safe?

Yes. When you invest through an AMFI Registered MFD like Khazana Associates your money goes directly to the AMC — not to us. We only facilitate the transaction. Your investment is held by the AMC and regulated by SEBI. However please note that Mutual Fund investments are subject to market risks. The value of your investment can go up or down based on market conditions.

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SECTION 3 — SIP Questions

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Q9. What is a SIP?

A SIP or Systematic Investment Plan is a method of investing a fixed amount in a mutual fund scheme every month automatically. It helps you build wealth steadily through regular investing without worrying about market timing. You can start a SIP with as little as ₹500 per month.

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Q10. How do I start a SIP with Khazana Associates?

Starting a SIP with us is simple:

• Step 1 — Contact us at +91-9873416374 or fill our contact form

• Step 2 — We discuss your investment goals and risk profile

• Step 3 — Complete your KYC if not already done (PAN + Aadhaar required)

• Step 4 — Choose a suitable mutual fund scheme

• Step 5 — Set up your SIP mandate

• Step 6 — Your SIP starts automatically every month

We handle all paperwork for you — completely free.

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Q11. What is the minimum SIP amount?

You can start a SIP with as little as ₹500 per month with most mutual fund schemes. Some schemes allow even ₹100 per month. We generally recommend starting with at least ₹1,000 to ₹5,000 per month depending on your income and goals.

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Q12. Can I stop my SIP anytime?

Yes. You can pause or stop your SIP at any time without any penalty. Simply contact us and we will process your SIP cancellation request. There is no lock in period for most open ended mutual fund SIPs except ELSS funds which have a 3 year lock in.

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SECTION 4 — Tax Saving

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Q13. What is ELSS and how does it save tax?

ELSS stands for Equity Linked Savings Scheme. It is a type of mutual fund that qualifies for tax deduction under Section 80C of the Income Tax Act. By investing up to ₹1,50,000 in ELSS you can reduce your taxable income by ₹1,50,000. If you are in the 30% tax bracket this saves you up to ₹46,800 in tax every year. ELSS has a mandatory lock in period of 3 years.

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Q14. How much tax can I save through mutual funds?

Under Section 80C you can invest up to ₹1,50,000 per year in ELSS mutual funds and claim full tax deduction. The tax saving depends on your tax bracket: - 10% bracket — save up to ₹15,000 - 20% bracket — save up to ₹30,000 - 30% bracket — save up to ₹46,800 Please consult your CA for personalised tax planning as tax laws are subject to change.

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SECTION 5 — PMS Questions

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Q15. What is Portfolio Management Services (PMS)?

PMS or Portfolio Management Services is a premium investment service where a professional fund manager manages your equity portfolio individually. Unlike mutual funds where you own units of a pooled fund, in PMS you directly own the stocks in your portfolio. The minimum investment for PMS in India is ₹50 lakhs as per SEBI regulations. Khazana Associates is an APMI Registered PMS Distributor (APRN: APRN00201).

Q16. Is PMS better than Mutual Funds?

PMS and Mutual Funds serve different investor needs: PMS is suitable for: - Investors with ₹50 lakhs or more to invest - Those who want individualised portfolio management - HNIs seeking customised investment strategies Mutual Funds are suitable for: - Investors starting with as little as ₹500 - Those who want diversified, professionally managed investments - Regular investors building wealth through SIP The right choice depends on your investment size, goals and risk appetite. Contact us to discuss which is more suitable for your situation.

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SECTION 6 — General Questions

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Q17. Do you charge any fees?

We do not charge any direct fees to investors for mutual fund distribution services. We receive trail commission from AMCs for distributing Regular Plan mutual fund schemes. This commission is embedded in the Total Expense Ratio (TER) of the scheme. For tax consultancy and legal services separate charges may apply. Please contact us for details.

Q18. What documents do I need to start investing?

To start investing in mutual funds you need: - PAN Card — mandatory for all investments - Aadhaar Card — for KYC verification - Bank Account details — cancelled cheque or bank statement - Passport size photograph - Mobile number linked to Aadhaar If you are already KYC compliant you only need your PAN card to start investing.

Q19. Do you serve NRI investors?

Yes. We serve Non Resident Indian (NRI) investors across the globe. NRIs can invest in mutual funds in India subject to FEMA regulations. You will need: - NRE or NRO bank account - Valid passport and visa - Overseas address proof - PAN card Contact us at info@khazanaassociates.com for NRI investment queries.

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Q20. How do I contact Khazana Associates?

Phone: +91-9873416374 | +91-9315599408 Email: info@khazanaassociates.com Website: www.khazanaassociates.com Branch Office: JMD Megapolis IT Park, Sohna Road, Sector-48, Gurugram — 122018 Office Hours: Monday to Friday: 9:30 AM to 6:30 PM Saturday: 10:00 AM to 2:00 PM

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Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not indicative of future returns. Khazana Associates is an AMFI Registered Mutual Fund Distributor (ARN: 131419). We are NOT a SEBI Registered Investment Adviser. This content is for educational purposes only and does not constitute investment advice. For grievances: scores.gov.in | 1800 266 7575