Compliance and Investor Information

(As per SEBI Circular dated June 2, 2025)

This page provides our clients with the Investor Charter and details of our grievance redressal mechanism in accordance with the Securities and Exchange Board of India (SEBI) circular SEBI/HO/MIRSD/MIRSD-POD/P/CIR/2025/80, issued on June 2, 2025.

Disclosure Document

The purpose of this document is to provide essential information about the Investment Advisory Services in a manner to assist and enable the prospective client in making an informed decision for engaging with Serenity Wealth to seek advice for their portfolio.

Disclosure Document

Annexure A: Investor Charter

A. Vision and Mission Statements for investors

  • Vision: Invest with knowledge & safety.
  • Mission: Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

B. Details of business transacted by the Investment Adviser with respect to the investors

At CredCap Consultants LLP, we are committed to the following practices:

  • Entering into a formal agreement with every client, which provides all details including fee structures, aspects of Conflict of Interest disclosure, and maintaining strict confidentiality of your information.
  • Conducting a proper and unbiased risk-profiling and suitability assessment for every client.
  • Disclosing the status of any complaints on our website.
  • Employing only qualified and certified individuals to serve you.
  • Conducting an annual audit of our compliance.
  • Maintaining records of all interactions where investment advice has been provided.

C. Details of services provided to investors

  • Client Onboarding: We ensure a smooth onboarding process, which includes completing your KYC and providing a copy of the client agreement.
  • Disclosures: We provide full disclosure about our business, affiliations, and compensation in the agreement. We will also disclose your risk profile to you.
  • Suitability of Advice: We provide investment advice based on your risk profile and the suitability of the products for you. We provide clear guidance and caution notices when advising on complex or high-risk products.
  • Confidentiality: We ensure the confidentiality of all information shared by you, unless required to be disclosed under legal obligations or with your specific consent.
  • Adherence to Timelines: We will disclose the timelines for our various services and ensure they are adhered to.

D. Details of grievance redressal mechanism and how to access it

1. Filing a Complaint with CredCap Consultants LLP:

In case of any grievance, you may approach us directly. We will strive to redress the grievance immediately, but not later than 21 days from the receipt of the grievance.

2. Filing a Complaint on SCORES 2.0 or with IAASB:

If you are not satisfied, you can lodge a complaint using:

SCORES 2.0: A web-based centralized grievance redressal system of SEBI. Your complaint will undergo a two-level review, first by the designated body (IAASB) and a second review by SEBI. The platform is accessible at (https://scores.sebi.gov.in).

IAASB Email: You may also email the designated email ID of the Investment Adviser Administration and Supervisory Body (IAASB).

3. Online Dispute Resolution (ODR) Platform:

If you are not satisfied with the resolution from us, you have the option to file a complaint on the SMARTODR platform for resolution through online conciliation or arbitration.

4. Filing a Physical Complaint:

You may send physical complaints to the SEBI Head Office in Mumbai

E. Rights of investors

You have a right to:

  • Privacy and Confidentiality.
  • Transparent Practices.
  • Fair and Equitable Treatment.
  • Adequate Information and Continuing Disclosures.
  • Fair & True Advertisement.
  • Awareness about Service Parameters and Turnaround Times.
  • Be Heard and have a Satisfactory Grievance Redressal.
  • Suitability of the Financial Products.
  • Exit from a financial product or service as per the agreement terms.

F. Expectations from the investors (Responsibilities of investors)

Do’s:

  • Always deal with a SEBI-registered Investment Adviser.
  • Pay advisory fees through banking channels only and maintain receipts.
  • Always ask for your risk profiling before accepting investment advice.
  • Insist that advice is provided strictly based on your risk profile.
  • Ask all relevant questions to clear your doubts before acting on advice.
  • Assess the risk-return profile of any investment.
  • Insist on getting the terms and conditions in writing. Read them carefully.
  • Be vigilant in your transactions.
  • Inform SEBI about any advisers offering assured or guaranteed returns.

Don’ts:

  • Do not provide funds for investment directly to the Investment Adviser.
  • Don’t fall for stock tips offered under the pretext of investment advice.
  • Don’t fall for the promise of indicative or assured returns.
  • Don’t let greed overcome rational investment decisions.
  • Avoid making transactions based only on phone calls or messages.
  • Do not fall prey to limited-period discounts or other incentives.
  • Don’t rush into investments that do not match your risk appetite.
  • Do not share login credentials and passwords for your trading, demat, or bank accounts with the Investment Adviser.

Payments to CredCap Consultants

Answer. The investors can choose their preferred mode of payment, such as UPI, IMPS, NEFT, RTGS, or Cheques. If an investor opts to use UPI for the payment to registered intermediaries, then they have to do so only using the new UPI IDs allotted to registered intermediaries.

Answer. Investors need to keep following things into consideration:

  1. The UPI ID should properly show the name of the intermediary, followed by the short abbreviation of their category for example “brk” for Brokers, “mf” for Mutual Funds to the left of the “@” character.
  2. On the right side of the “@”, the new and exclusive handle “@valid” should be present, followed by the bank name.
  3. On the confirmation screen, the app should show a white thumbs-up icon inside a green triangle.
  4. The QR code generated using the utility will have a white thumbs-up icon inside a green triangle. It will also display the UPI ID just below the QR code.

Answer. No, the new UPI IDs are only for intermediaries to obtain and investors can continue to use their existing UPI IDs.

Answer. The secure validated UPI ID of intermediaries will use the same banking channel as the earlier generic UPI handles. In case of any technical difficulty, investors are requested to approach their respective bank.

UPI ID: credcap.ia@validicici

Grievance Redressal Mechanism

Our Commitment

We are dedicated to providing prompt and effective resolution of all client grievances. Below is the process for addressing and escalating any concerns.

Grievance Escalation Matrix

Details of designation Contact Person Address where the physical address location Contact No. Email-ID Working hours when complainant can call
Customer Care Rudolfus Remend Dias CREDCAP CONSULTANTS LLP, T1-15B, SNN CLERMONT, NAGAVARA, BANGALORE-560045 Mon-Fri 9am-6pm
Head of Customer Care Pratibha Jain Mon-Fri 9am-6pm
Compliance Officer Rudolfus Remend Dias Mon-Fri 9am-6pm
CEO Pratibha Jain Mon-Fri 9am-6pm
Principal Officer Pratibha Jain Mon-Fri 9am-6pm

Annexure B: Compliance & Regulation

Complaint Data for Investment Advisory Services

Complaint Data

Data for the month ending : September 2026

Sr. No. Received from Pending at the end of last month Received Resolved* Total Pending # Pending complaints > 3 months Average Resolution time ^ (in days)
1 Directly from investors 0 0 0 0 0 0
2 SEBI (SCORES) 0 0 0 0 0 0
3 Other Sources (if any) 0 0 0 0 0 0
Grand Total 0 0 0 0 0 0

^ Average Resolution time is the sum total of time taken to resolve each complaint in days, in the current month divided by total number of complaints resolved in the current month

In order to enhance transparency in grievance redressal, Registered Investment Advisers are expected to disclose the details of investor complaints by 7th of the succeeding month. You can lodge complaints and grievances by writing to – .

If you are not satisfied, you can lodge your complaint using Sebi scores or Online Dispute Resolution

SEBI SCORES (Sebi Complaints Redress System) website and App links:
Website : https://scores.sebi.gov.in

SEBI ODR: smartodr.in

Google Play: https://play.google.com/store/apps/developer?id=SEBI+SCORES
Apple Store: https://apps.apple.com/in/app/sebiscores/id1493257302

SEBI Local Office –
Jeevan Mangal Building, Hayes Rd, off,
Residency Rd, Shanthala Nagar, Ashok Nagar,
Bengaluru 560025
Telephone – 91-080-22222262/ 22222264
Email –

Monthly Disposal of Complaints

Sr. No Month Carried forward from previous month Received Resolved* Pending#
1 April, 2026 0 0 0 0
2 May, 2026 0 0 0 0
3 June, 2026 0 0 0 0
4 July, 2026 0 0 0 0
5 August, 2026 0 0 0 0
6 September, 2026 0 0 0 0
Grand Total 0 0 0 0

*Inclusive of complaints of previous months resolved in the current month. #Inclusive of complaints pending as on the last day of the month.

Annual Disposal of Complaints

Sr. No. Year Carried forward from previous year Received Resolved* Pending#
1 2022-23 0 0 0 0
2 2023-24 0 0 0 0
3 2024-25 0 0 0 0

** Inclusive of complaints of previous years resolved in the current year.
## Inclusive of complaints pending as on the last day of the year.

Annual Compliance Audits

Disclosure with respect to compliance with Annual compliance audit requirement under Regulation 19(3) of SECURITIES AND EXCHANGE BOARD OF INDIA (INVESTMENT ADVISERS) REGULATIONS, 2013 for last and current financial year are as under:

Sr. No. Financial Year Compliance Audit Status
1 2022-23 Completed
2 2023-24 Completed
3 2024-25 Completed