Disclosures

Two Plus Two Nine is the brand name of Ashok Kumar Saini, an individual Mutual Fund Distributor registered with the Association of Mutual Funds in India (AMFI) under ARN-171746, based at C-6, Sawan Park, Ashok Vihar Phase 3, Delhi 110052.

We distribute mutual fund schemes in partnership with Prudent Corporate Advisory Services Limited (AMFI ARN-9992) through its FundzBazar platform. Your investments are held with the respective Asset Management Companies (AMCs) in your name; money moves only between your bank account and the AMC.

You can verify the registration on the AMFI website. Verify ARN-171746 on AMFI

We distribute Regular Plans of mutual fund schemes. In a Regular Plan, the AMC pays the distributor a commission out of the scheme's total expense ratio (TER). This is why a Regular Plan has a slightly higher expense ratio than the Direct Plan of the same scheme. You do not pay us any separate fee.

Commission is paid mainly as an annual "trail" on the value of your holdings for as long as you stay invested; some schemes also pay a small one-time amount at the time of investment. Rates differ by AMC and by scheme category — they are generally higher for equity schemes than for debt, liquid and index schemes — and are set by each AMC. We do not publish a single rate because it varies scheme by scheme.

The exact commission rate for any scheme you invest in is available from us on request, is published by each AMC on its website, and is also disclosed in the scheme documents and your consolidated account statement (CAS) as required by SEBI and AMFI.

We do not accept cash, do not share commission with investors ("pass-back"), and do not charge any advisory fee.

Every open-ended scheme also has a Direct Plan with a lower expense ratio, available directly from the AMC or through platforms that do not use a distributor. It has the same portfolio and fund manager. If you prefer to invest without a distributor's services, a Direct Plan is the lower-cost option.

Two Plus Two Nine is not registered with SEBI as an Investment Adviser, Research Analyst or Portfolio Manager. As permitted by SEBI for mutual fund distributors, any guidance we give is incidental to the distribution of mutual fund schemes and is limited to explaining scheme features, suitability for your stated goals and risk profile, and help with transactions.

The calculators, articles and chapters on this website are educational. They are not personalised investment, tax or legal advice. For a fee-based advisory relationship, consult a SEBI-registered Investment Adviser; for tax matters, a chartered accountant.

If you have a complaint about our service or a transaction, please follow these steps:

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Mutual Fund schemes do not assure or guarantee any returns.

Past performance may or may not be sustained in future and is not a guarantee of any future returns. This applies to any scheme, calculator illustration or example on this website. Please read the Scheme Information Document, Key Information Memorandum and risk-o-meter of a scheme before investing.

Investments are executed on the FundzBazar platform and with the AMCs, under their KYC and privacy policies. This website does not store account or transaction data. See our Privacy Policy for what this site collects.

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