ArthSankalp

For MFD platforms, PMS, wealth managers, insurers, banks and NBFCs

One profile loop, for your own investors.

Each institution runs its own InvestorDNA → PathGuard → BiasShield loop, for that institution’s own investors. No investor data or insight is shared with another institution. With the investor’s separate consent, de-identified answers may be used to improve the assessment, and for nothing else.

Talk to us

contact@arthsankalp.finance

The loop

Three moments, one profile underneath.

  1. 1 · Before a decision

    InvestorDNA

    With the founding cohort of advisers

    A risk profile that separates willingness to take risk from the ability to bear loss, with a record for the institution and a plain-language profile for the investor.

  2. 2 · Between decisions

    PathGuard

    Planned

    Life events — a job change, a marriage, a child, a parent’s care — prompt a re-take, so the profile moves with the investor’s life.

  3. 3 · At the decision

    BiasShield

    Planned

    A review of what investors actually did — redemptions, switches, SIP stops — against their profile, with prompts for the institution’s advisers.

Why institutions

The duty and the liability sit with the institution.

Each institution that advises or sells to a retail investor has to show that the product suited the investor.

  • Portfolio managers

    Risk profiling and suitability for each client.

    SourceSEBI PMS Master Circular, 16 July 2025, Annexure 2B

  • Mutual fund distributors and platforms

    Assess suitability and keep records, including the investor’s consent or dissent.

    SourceAMFI MFD Master Circular, 14 January 2026, Chapter 7

  • Banks and NBFCs

    Assess suitability and appropriateness before any sale, from 1 January 2027; refund plus compensation for mis-selling.

    SourceRBI/2026-27/115, paras 85P and 85Z; RBI/2026-27/123, para 101P. Each bank sets its own suitability criteria (para 85A)

  • Life insurers

    IRDAI proposes documented needs and suitability analysis above a ticket size, with seller tagging and commission clawback (a proposal, not yet final). FY26 surrenders and withdrawals of ₹2.80 lakh crore exceeded maturity payouts of ₹2.70 lakh crore.

    SourceIRDAI consultation paper, 23 September 2026; Lok Sabha reply, August 2026

Talk to us

Start with one loop for your investors.

Tell us which investors you serve and where your suitability evidence is thinnest today.
Email us

contact@arthsankalp.finance