Registration
25 Carat Wealth is a sole proprietorship of Padmashini Pathak, registered with the Association of Mutual Funds in India (AMFI) as a Mutual Fund Distributor under ARN-172683.
We distribute mutual fund schemes and act as an intermediary for insurance and fixed deposit products. We are not a SEBI-registered Investment Adviser, a Portfolio Manager, or a Research Analyst, and we do not provide fee-based investment advisory services under those regulations.
How we are remunerated
As a mutual fund distributor, we receive trail commission from the Asset Management Companies whose schemes you invest in through us. This commission is paid out of the scheme's expense ratio and is disclosed in the scheme documents. Commission rates differ between schemes and categories.
For insurance products, we receive commission from the insurer as permitted under IRDAI regulations. For fixed deposits, brokerage may be paid by the issuing institution.
You will be told the applicable commission structure before you invest. Where a product pays us more but suits you less, we will say so.
Standard risk disclaimer
Mutual fund investments are subject to market risks — read all scheme related documents carefully.
The NAV of mutual fund schemes may go up or down depending on factors affecting the securities market, including fluctuations in interest rates. Past performance of any scheme, of the sponsor, or of the asset management company does not indicate or guarantee the future performance of any scheme. There is no assurance or guarantee that the objectives of any scheme will be achieved.
No guaranteed returns
We do not offer, promise or guarantee any assured return on any market-linked product. Any figure shown on this website — including every calculator output — is an illustration generated from assumptions you or we have entered. Actual outcomes will differ, sometimes materially.
Suitability
Nothing on this website constitutes a personal recommendation. Content here is general in nature and does not take account of your objectives, financial position or particular needs. Products are recommended only after a discussion of your circumstances, and you should read the scheme information document, key information memorandum, policy wording or deposit terms in full before investing.
Insurance products
Insurance is a subject matter of solicitation. Benefits, exclusions, waiting periods and claim conditions are governed entirely by the policy wording issued by the insurer. Please read it before concluding a purchase.
Fixed deposits
Bank fixed deposits are insured by the DICGC up to ₹5,00,000 per depositor per bank, covering principal and interest together. Corporate fixed deposits are not covered by this insurance and carry the credit risk of the issuing company, regardless of its rating. Interest earned on deposits is taxable as income.
NRI investors
Investments by Non-Resident Indians are subject to the Foreign Exchange Management Act (FEMA) and to the rules of the jurisdiction in which you reside. Certain fund houses do not accept investments from NRIs resident in the United States or Canada. Tax treatment depends on your residency status and on any applicable double taxation avoidance agreement. Please take independent tax advice.
Grievance redressal
If you have a complaint about any service provided by us, please write to connect@25caratwealth.com or call +91-7900-844-844. We aim to acknowledge within two working days and resolve within twenty-one.
If you are not satisfied with our response, you may escalate to the relevant Asset Management Company, to AMFI, or to SEBI's SCORES platform. Insurance complaints may be escalated to the insurer's grievance officer and thereafter to the Insurance Ombudsman.
Accuracy of information
We take care to keep the information on this website correct and current, but regulations, tax rules and product terms change. Content should not be treated as a substitute for the official documentation issued by the product provider or the regulator at the time you transact.
Last reviewed: 2026. 25 Carat Wealth · Proprietor: Padmashini Pathak · ARN-172683 · AMFI Registered Mutual Fund Distributor.