Regulatory
Disclosures
What you should know before investing through Sipse
Owned, Operated and Managed by Jarfin Retail Private Limited · AMFI ARN: 282924 · Last updated: 12 Jun 2026
Sipse is a mutual fund investment application owned, operated and managed by Jarfin Retail Private Limited (“Jarfin”), an AMFI-registered mutual fund distributor, not a SEBI-registered investment adviser.
01 · Who we are
Sipse is a mutual fund distributor, NOT an adviser
Sipse is the mutual fund distribution application owned, operated and managed by Jarfin Retail Private Limited, registered with AMFI as a mutual fund distributor (ARN-282924). All investments made through Sipse are placed directly with the respective Asset Management Companies (“AMCs”). Jarfin is NOT a SEBI-registered Investment Adviser and does not provide any investment advice, recommendations, or portfolio management services through Sipse or otherwise.
- App name
- Sipse
- Operated by
- Jarfin Retail Private Limited
- AMFI ARN
- 282924
- Capacity
- Mutual Fund Distributor
- Registered office
- No. 752, Vasantham Building, 6th Block, 18th Main, Koramangala, Bangalore - 560095
02 · Our mutual fund products
Sipse offers only Regular Plans
Sipse offers only Regular Plans of mutual fund schemes. Sipse does not offer Direct Plans. When you invest through Sipse, the AMC pays Jarfin a commission. This commission is embedded in the scheme's expense ratio and is not an additional charge deducted from your investment.
The selection and recommendation of mutual funds on Sipse is not influenced by the commission earned by Jarfin.
Commission rates vary across AMCs and scheme categories.
The commission earned by Jarfin through Sipse is available below:
Limitations of service
Sipse does not:
- Manage or operate mutual fund schemes
- Guarantee returns, dividends, or payouts
- Guarantee liquidity, redemption or repayment of units
- Make any offer to buyback units
- Hold or manage user funds or units
- Subscribe to or collect payments for units
- Sign any documents on behalf of users (unless authorised by an electronic mandate)
- Collect, receive or give receipts for dividends, interest or income from units
- Provide investment advisory services
03 · Investment risks
Mutual fund investments are subject to market risks
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Returns are subject to market risks, including potential loss of capital arising from market volatility, force majeure events, changes in political and economic conditions, and defaults, bankruptcy or insolvency of issuers of securities in which the mutual fund has invested.
Investments made through Sipse are not obligations of, or guaranteed or insured by, Jarfin. The principal amount invested may be exposed to the risk of diminution or total loss.
- Liquidity risk
- Redemption may be temporarily suspended where the scheme faces liquidity constraints or as permitted under applicable regulations.
- Scheme wind-up risk
- Schemes may be wound up due to illiquid investments, high redemption volumes, or unforeseen market events.
- Regulatory risk
- AMFI guidelines, regulatory frameworks or changes in tax laws may impact the returns or liquidity of your investment.
- Online transaction risk
- Cyber fraud, transmission errors, system failures, Payment Gateway failures, and OTP delivery failures are inherent risks of investing.
The NAV of mutual fund schemes may go up or down depending on various factors affecting the securities markets. There is no assurance that the investment objectives of any scheme will be achieved.
04 · Scheme documents
Read the scheme documents before you invest
Investors are strongly advised to carefully review all risk disclosures in the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM) of each scheme before investing through Sipse. These are available on the SEBI website.
The offer documents for mutual fund schemes are available through the links below:
05 · Grievance redressal
How to raise a complaint on Sipse
- Contact support through the Sipse application. All grievances shall be acknowledged and resolved in accordance with applicable laws.
- If still unresolved or unsatisfactory, you may approach AMFI, SEBI, SEBI SCORES, Online Dispute Resolution (ODR) platforms, or other legal forums.
- For grievances specific to mutual fund schemes, you may also contact the respective AMC directly.
- Grievance Officer
- Arun S Kamath
- grievance@sipse.in
- Phone
- 7337636611
- SEBI SCORES
- scores.sebi.gov.in
- AMFI
- amfiindia.com
06 · Investor guidelines
Investor Guidelines
Investment Assessment
Investors are encouraged to:
- Carefully review and understand all relevant scheme documents, including the Scheme Information Document (SID), Statement of Additional Information (SAI), and Key Information Memorandum (KIM), prior to investing.
- Evaluate whether a scheme is appropriate in light of their investment objectives, financial circumstances, and risk tolerance.
- Seek independent financial, legal, tax, or other professional advice where necessary.
- Undertake their own assessment and due diligence before making any investment decision.
- Acknowledge that all investment decisions are made at their sole discretion and that they bear responsibility for the resulting outcomes.
Verification Requirements
Investors should verify that all transaction-related communications and confirmations are received directly from the relevant Asset Management Company (AMC) or its Registrar and Transfer Agent (RTA).
07 · Regulatory compliance
Governing regulations
Jarfin, operating through Sipse, is subject to SEBI (Mutual Funds) Regulations, 2026, SEBI Master Circular for Mutual Funds, 2026, and adheres to the AMFI Code of Conduct for Mutual Fund Distributors. Any changes in SEBI or AMFI regulations apply automatically.
Accounts suspected of money laundering or terrorism financing may be suspended or reported to regulatory authorities.
These disclosures and any disputes are governed by the laws of India, subject to the exclusive jurisdiction of courts in Bengaluru, India.
08 · Force majeure
Force majeure
Jarfin shall not be liable for any delay or failure to perform its obligations under these Terms due to force majeure events beyond its reasonable control, including but not limited to:
- Acts of god (earthquakes, floods, cyclones, pandemics, epidemics, etc.);
- War, terrorism, civil unrest, riots;
- Government actions, regulatory changes, embargoes;
- Strikes, labour disputes;
- Failure of third-party systems (AMCs, RTAs, banks, Payment Gateways, internet service providers);
- Power outages, system failures, cyber-attacks; or
- Any other events beyond Jarfin's reasonable control.
Jarfin's obligations shall be suspended during the force majeure event and shall resume upon cessation of the event.
This disclosure document is provided for informational purposes only and does not constitute investment advice, recommendation, or solicitation. Mutual fund investments are subject to market risks. Investors should read all scheme-related documents carefully before investing. Sipse is operated by Jarfin Retail Private Limited, an AMFI-registered Mutual Fund Distributor (ARN-282924). Jarfin is not a SEBI-registered Investment Adviser and does not provide investment advisory services. All investment decisions are the sole responsibility of the investor. This document is an electronic record under the Information Technology Act, 2000 and the rules made thereunder.