Clarity includes
the limitations.

Our role and compensation

SIP Guide is the mutual fund distribution website of Pranay I Kuhikar, ARN-341515, Nagpur, Maharashtra. We distribute regular plans and may receive commissions from investments made through us. Ask about the applicable plan, expenses and compensation before investing.

We do not present SIP Guide as a SEBI-registered investment advisory service. Educational content on this site is not a personalised investment recommendation.

Insurance enquiries and POSP role

Pranay also accepts health, motor and term-insurance enquiries in a Point of Sales Person (POSP) capacity. Product availability depends on the appointing entity, the products authorised under that appointment and insurer underwriting. Ask for the appointing entity and POSP identification, and read the insurer’s documents before proceeding. No insurer affiliation, premium, cover acceptance or claim payment is promised by these tools. Insurance distribution may involve remuneration from the appointing entity; ask for applicable disclosures.

The term-cover tool is an illustration of stated needs, not a product recommendation. Health and motor checklists help you ask questions; they do not interpret your full contract or rate an insurer. Calendar reminders depend on your calendar application and do not renew a policy.

Market risk

Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Investment values can fall and you may lose capital. Past performance does not guarantee future results. A SIP is a method of investing; it does not assure a profit or protect against losses.

Calculator limitations

Every rate is an editable assumption, not a quote, forecast or promise. Smooth growth charts do not represent actual market paths. Unless a tool states otherwise, illustrations exclude taxes, exit loads and inflation. Investment return assumptions should be net of ongoing fund expenses. Each calculator explains its timing conventions and method on its own page.

An SWP is a series of redemptions and can consume capital. Retirement illustrations do not determine a safe withdrawal rate or guarantee lifetime income. Loan calculations are estimates; actual lender terms and costs may differ.

Educational articles

Articles explain general concepts using original examples and linked references. They cannot account for your complete circumstances. Scheme choices, taxation and transactions require current information and an individual discussion. We do not publish fund rankings, assured-return claims or client performance claims.

Images and enquiries

The family image on the homepage is an AI-generated illustration. The people pictured are not identified clients and the image is not a testimonial. Submitting an enquiry through the website or WhatsApp does not place an investment order.

Questions

Use the contact page to discuss these disclosures, and the AMFI distributor search to check registration details.