Terms & Conditions

Welcome to Poonji MItra! These terms and conditions establish the rules for using our platform, Poonji MItra.

1. Introduction

Welcome to the Poonji Mitra mobile application (“App”), owned and operated by Kanchan Gupta (ARN 175447) under the brand Poonji Mitra (“we,” “our,” or “us”). By downloading, accessing, or using our App, you agree to comply with these Terms & Conditions. If you do not agree, please refrain from using the App.

2. Services Offered

Poonji Mitra offers the following investment-related services:

  • Mutual Funds

  • Bonds

  • Initial Public Offerings (IPOs)

  • Spenny (micro-investment service)

We act as a registered mutual fund distributor and provide investment execution, information, and related services.

3. Registration & User Responsibilities

  • You must be at least 18 years old to use the App.

  • You agree to provide accurate, current, and complete information during registration.

  • You are responsible for maintaining the confidentiality of your account credentials.

4. Disclaimers

  • We are a distributor, not an investment advisor, unless otherwise stated in writing. Investment decisions are your sole responsibility.

  • Market investments are subject to risks, including possible loss of principal.

  • Past performance is not indicative of future results.

5. Fees & Charges

  • Any fees or commissions applicable is not taken from the client directly and rather it is received from the AMC. 

  • Mutual fund investments are subject to distributor commissions as per regulatory norms.

6. Limitation of Liability

We are not responsible for any losses, damages, or liabilities arising from your investment decisions, market fluctuations, or system unavailability. Poonjimitra is only an investment platform.

7. Regulatory Compliance

Poonji Mitra operates under ARN 175447 (Kanchan Gupta) and follows AMFI and SEBI guidelines.

8. Modifications

We reserve the right to modify these Terms at any time. Continued use of the App after modifications constitutes acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of India. Disputes shall be subject to the exclusive jurisdiction of courts in Jaipur, Rajasthan