Client Onboarding & KYC Policy

Dhariwal Securities Private Limited follows a structured and compliant client onboarding process in accordance with applicable SEBI, AMFI, Prevention of Money Laundering Act (PMLA), and data protection regulations.

This policy outlines the framework followed for onboarding investors and completing KYC requirements.

Clients may be onboarded through digital or physical channels as permitted under applicable regulations.

All onboarding is subject to completion of KYC and submission of required documentation.

Investors must meet applicable regulatory requirements, including:

• Valid identity and address proof
• Compliance with applicable residency regulations
• Completion of KYC formalities

Additional due diligence may be carried out as required under applicable laws.

KYC (Know Your Customer) verification is mandatory prior to any transaction.

KYC may be completed through authorised KYC Registration Agencies (KRAs) or other permitted mechanisms, and may include:

• Identity and address verification
• In-person verification or video-based verification, where applicable
• FATCA/CRS declarations
• Additional documentation for non-individual investors

Investors may be required to provide relevant information including:

• Financial details
• Investment objectives
• Investment horizon
• Risk tolerance

This information is used to facilitate alignment of transactions with investor profiles.

Investors are required to submit applicable documents, which may include:

• PAN
• Identity and address proof
• Bank account details
• FATCA/CRS declaration
• Nomination details (as applicable)

Additional documentation may be required based on investor type and regulatory requirements.

Upon successful completion of KYC and documentation, investor accounts are created with relevant product providers and authorised platforms.

Transaction confirmations and related communications are shared through registered contact details.

Transactions are processed based on investor instructions through permitted channels.

Investors are expected to read and understand relevant product documents before proceeding with any investment.

Personal data collected during onboarding is processed in accordance with applicable data protection laws.

• Data is collected for purposes such as KYC, transaction processing, and regulatory compliance
• Data may be shared with authorised entities such as AMCs, RTAs, KRAs, and regulatory authorities
• Appropriate safeguards are implemented to protect investor data

Records related to onboarding, KYC, and transactions are maintained in accordance with applicable regulatory requirements.

KYC and related information may be updated periodically or upon any material change in investor details.

Dhariwal Securities Private Limited reserves the right to decline onboarding where:

• Required documentation is incomplete or unverifiable
• Regulatory requirements are not met
• Any concerns that arise under applicable compliance frameworks

This policy is reviewed periodically and updated in line with applicable regulatory changes.