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Trust & Transparency

Regulatory Information

Last updated: September 2026. This page explains, in plain language, what Subilaksha Assets™ is, what it does and does not offer, how it is regulated and compensated, and how to raise a grievance.

1 What Subilaksha Assets™ Is

Subilaksha Assets™ is a financial planning and wealth-services practice based in Tirunelveli, Tamil Nadu, founded by Subbiah Murugan to help individuals, families and NRIs make informed financial decisions by starting with goals rather than products.

We operate as an AMFI-registered Mutual Fund Distributor and provide support across investments, protection planning, retirement and goal-based planning — following a five-step process: Understand → Assess → Plan → Implement → Review.

AMFI Registration: ARN-364653. You can verify this on the official AMFI website (amfiindia.com) using the "Locate a Mutual Fund Distributor" facility.

2 What Services We Provide

We help clients structure their financial lives through an integrated, goal-first approach. Services include:

  • Financial planning conversations — understanding income, assets, liabilities, family responsibilities and goals.
  • Mutual fund distribution — regular-plan mutual funds and SIPs selected after risk profiling and goal mapping (distributed under ARN-364653).
  • Protection planning support — helping clients review term life, health and general insurance needs (insurance is a subject matter of solicitation).
  • Retirement & goal-based planning — children's education, home purchase, retirement corpus, NPS-related discussions and long-term financial independence.
  • NRI financial planning support — India-focused investments, protection and goal planning for Indians living overseas.
  • Periodic review — helping clients revisit and realign plans as life circumstances change.

3 What We Do Not Provide

To avoid any confusion, please note the following:

  • We are not a SEBI-registered Investment Adviser (RIA). We do not provide discretionary portfolio management or fee-only investment advisory services under the SEBI (Investment Advisers) Regulations.
  • We do not manage client money under a PMS, AIF or similar regulated discretionary mandate.
  • We do not guarantee returns, capital protection or specific investment outcomes.
  • We do not provide tax, legal or accounting advice. Clients should consult qualified professionals for those matters.
  • Content on this website (including calculators and NAV tools) is for general information and educational purposes only and does not constitute personalised advice.
  • We do not deal in Direct Plans of mutual funds (where no distributor commission is payable).

4 AMFI Registration & Insurance Status

Mutual Funds: Subilaksha Assets™, its Founder and its associates are registered with the Association of Mutual Funds in India (AMFI) as a Mutual Fund Distributor under ARN-364653. All mutual fund transactions facilitated by us, our Founder, and our associates are executed under this ARN code in Regular Plans.

Insurance: Insurance is a subject matter of solicitation. Subilaksha Assets™, its Founder and its associates are appointed by Kotak Life, Tata AIG, Care Health and Star Health to facilitate insurance solicitation, and are partnered with Asset Plus and Creso for platform and operational support. We are not an insurance company. Policy terms, conditions, exclusions and claim processes are governed solely by the respective insurer's policy documents.

Any other regulatory registrations (if applicable in future) will be disclosed on this page. No registration or accreditation that is not explicitly stated here should be assumed.

5 How We Are Compensated

Transparency about compensation is important so that clients understand potential conflicts of interest.

  • Mutual Funds: We receive trail commission from Asset Management Companies (AMCs) on investments made under our ARN in Regular Plans. Commission rates vary by scheme and AMC and are disclosed to clients at the time of investment as required. We do not earn commission on Direct Plans.
  • Insurance: Where insurance is arranged through Kotak Life, Tata AIG, Care Health or Star Health, remuneration is paid to us by the respective insurer as per their norms and applicable IRDAI regulations — not charged separately to the client.
  • We do not charge clients a separate advisory or planning fee for the services described on this website (unless explicitly agreed in writing for a specific engagement).
  • No pass-back of commission to investors is permitted under AMFI / SEBI guidelines.

Clients are free to choose Direct Plans or other distribution channels if they prefer.

6 Risk Disclosures

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. NAVs can go up or down.
  • All investments carry risk, including the possible loss of principal. Equity, debt and hybrid funds have different risk-return profiles.
  • Insurance products are subject to the terms, conditions and exclusions of the policy. Claims are decided by the insurer.
  • Any illustrations, calculators or historical data on this website (including the SIP, Retirement, Child Education and other calculators, and the Mutual Fund Research tool) are hypothetical, approximate or indicative only and do not guarantee future results.
  • The Risk Profile Analyser on this website is a simplified, self-assessment educational tool and is not a substitute for a full, formal risk-profiling exercise.
  • Clients should consider their own investment objectives, financial situation, risk tolerance and time horizon before making any decision.
  • This website and its content do not constitute an offer, solicitation or recommendation to buy or sell any security or insurance product.

7 Grievance Redressal Mechanism

We take client concerns seriously and aim to resolve them promptly and fairly.

Step 1 — Contact us directly. Please write to us with full details of your concern:

We will acknowledge your communication and work to resolve the matter at the earliest.

Step 2 — Mutual Fund related grievances. For grievances related to mutual fund transactions distributed under our ARN, you may first approach the concerned Asset Management Company (AMC) or Registrar & Transfer Agent. You can also lodge a complaint on the SEBI SCORES portal: scores.sebi.gov.in. Unresolved complaints may be taken up through the Online Dispute Resolution (ODR) / SMARTODR platform as applicable.

Step 3 — Insurance related grievances. For insurance policy or claim issues, please contact the respective insurer's (Kotak Life / Tata AIG / Care Health / Star Health) grievance redressal officer first. You may also approach the Insurance Ombudsman or IRDAI grievance channels as applicable.

We encourage clients to retain transaction records, KYC documents and communication for smooth resolution of any issues.

i Important Notes

  • This page is for general informational and regulatory transparency purposes.
  • It does not create any contractual relationship beyond the terms of actual product applications and transactions executed.
  • Laws and regulations may change; clients should verify the latest requirements independently where needed.