FAQ - Sadhan

Products

Know more about our products and the type of transactions you may perform.

At present, we offer stock trading and mutual fund investments. You may trade in stocks in cash (delivery) segment.

What are the key features of your products

1. Flexibility of transacting in your own language. You may select your default language while signing up. You may also update it anytime later in 'Settings' module.

2. Easy clutterfree experience with help tips and relevant information. Notes about technical terms are handy while completing transactions.

3. Explore our knowledge centre to access the resources in your own language. For further help, simply connect with us through whats app links on the app.

Which of your products can I access for free

You may access these features for free without any charges:

1. Stocks - Market prices, analysis on select stocks and themes, search feature

2. Mutual Funds - Ready scheme collections, detailed scheme information, search by 'Category + AMC'

3. Whats app community - Get free access to IPO announcements, stock updates, NFO announcements and personalized help

What investment products do your Demat partners offer

You may access the full suite of stock products such as IPO, Futures and options by directly logging into the portal of our Demat partner ICICI Direct

Which products of Demat partners are not available on Sadhan app

You may only perform stock trading in cash segment through Sadhan. At present, rest of the stock related products are not available on the app.

Can I access the Demat partner's platform directly?

Yes, you may login to the portal of our Demat partner ICICI Direct by entering their security credentials and access their products.

If I access the Demat partner's products using Sadhan app, are there any extra charges

No, there are no additional charges for using ICICI Direct products through Sadhan.

What if I face problems while using the Demat partners platform directly

You may please access the following support channels:

1. Customer support channels of ICICI Direct

2. Send an email @ support@sadhanwealth.com or send us a whats app text @ +917400174893

Can we do all types of mutual fund transactions through Sadhan

At present, you may perform these transactions: Search, SIP, Lumpsum Buy, Portfolio Review and Redeem. As of now, we do not offer STP and SWP.

What type of advice can I get from Sadhan about trading in stocks

We do not offer any advice on stock trading. We bring you the analysis on select stocks and themes by the experts. Such analysis is from the authorized sources available in public domain. We also present some of the research analysis by our Demat partners ICICI Direct. We do not have our own research team and do not give any recommendations. Analytical informaton on the app are a brief summary on some stocks. Users need to collect all the necessary and relevant information about stocks and understand the risks involved before making their trading decisions.

What type of advice can I get from Sadhan about mutual fund investments

As mutual fund distributors we offer incidental advice about scheme types suitable for investment needs of users. We seek information from users about the objective, time horizon and risk appetite of their planned mutual fund investment. We then suggest relevant scheme types in line with market best practice. Users may then read the scheme related documents, select a specific scheme and invest.

Pricing

Know more about the pricing of our products

What are the charges for using your products

Stock trading - Brokerage charges for trading in stocks using our platform depend upon the pricing policy of repective Demat partners and the specific brokerage plan that you may have opted for while opening the trading account. Sadhan does not charge any fees or other charges for trading on our platform. Mutual fund investments - As distributors we sell regular plans of schemes through our platform and earn commission from such sales. Commission is computed as a percentage of the investment amount. Percentage rates applicable for different schemes are in line with the commission structures defined by the respective AMC.

Which of your products can I access for free

You may access these features for free without any charges:

1. Stocks - Market prices, analysis on select stocks and themes, search feature

2. Mutual Funds - Ready scheme collections, detailed scheme information, search by 'Category + AMC'

3. Whats app community - Get free access to IPO announcements, stock updates, NFO announcements and personalized help

How do I find out about charges and taxes paid for a stock transaction

Once a trade order is executed, you may login to the portal of our Demat partner and find out about brokerage, taxes and other charges levied on a transaction.

How do I find out about charges and taxes paid for a mutual fund transaction

You may refer to the expense ratio of the scheme you have invested in to get an idea about the charges of investing in the scheme. Fund expenses include different types of costs on a consolidated basis such as fund management charges, administration charges, distribution commission etc.

How do I ask a query or log a complaint about pricing

Please send us a whats app text using links available on the app or write an email to us at support@sadhanwealth.com

Sign Up

Signup

Find out about the sign up process and security of your personal information.

How do I sign up

It is a simple 3 step process:

1. Register a valid Indian mobile number through OTP verification

2. Provide basic information such as name, age, gender and pincode

3. Set up your security PIN

How is my personal information provided during signup, used by Sadhan

We use your personal information to create your profile. Your profile helps us bring the most relevant and useful information to you.

Is my personal information provided during signup, secure with Sadhan

Your personal information collected during sign up process is encrypted and stored in a secure way. Access to users' personal information is restricted, monitored and granted only through a strict approval mechanism.

Is my personal information provided during signup, shared by Sadhan with any other entity

No, we do not share your personal information with any third party. Information submitted by you duing Demat opening and Mutual Fund onboarding, is as per the stautory requirements. Such information is collected by us, stored in an encrypted form and handed over to the agencies through striaght through APIs.

How do I login to the app

For security reasons, everytime you login you have to enter the current security PIN. It could be the PIN set up during sign up process or the one that you have subsequently updated in 'Settings'. It must be your latest security PIN.

How do I update my personal details

It is a simple 3 step process:

1. Open the 'Settings' section clicking on the icon in bottom bar

2. Select the field to be updated

3. Update the details on relevant screens and submit

NRI

Find out how can the NRIs use the application. How does the onboarding process work and which products can they access.

Can NRIs access the app

Yes, the app is available globally on Google Playstore. However, in compliance with the Indian regulations the onboarding process is offline. Once the onboarding is complete, rest of the app experience is seamless just like the resident users.

Can NRIs complete Sadhan sign up online

No, the onboarding process is offline. Once you register your interest through a simple click on the app, our support team will get in touch with you. They will assist in completion of onboarding without any hassle. Once the team advises you of completion of onboarding, you may sign up on the app and create your profile. You may complete the sign up online and start using the app.

How do NRIs trade in stocks using the app

You may trade in stocks in cash/ delivery segment using the Sadhan app. Settlement of stock trading transactions will take place through your Indian bank account linked to your Demat/ trading account.

Can NRIs complete Demat and trading account opening online

No, this process must be completed offline. Once you follow the link for 'Demat opening' on the app; you will be redirected to the portal of our Demat partner. They will assist you in completion of the process. For any support, please text us on whats app through links on the app or send us an email at support@sadhanwealth.com

How does Sadhan help in completing Demat and trading account opening

We will be in touch with you throughout the process and track the progress. We will coordinate with the Demat partner for quicker resolution of queries and pending points and expedite the account opening process.

Can NRIs accesss the Demat partner's platform directly

Yes, you may login to the portal of our Demat partner ICICI Direct by entering their security credentials and access their products.

Are there additional charges for NRIs for trading in stocks

No, there are no additional charges for NRIs for trading in stocks. Regulatory charges and taxes applicable to stock trading remain consistent. Brokerage and Annual Maintenance Charge (AMC) charges are contingent upon the selected plans or schemes. Additional charges may vary based on the bank and its account type, such as NRO or NRE-PIS account. Notably, NRE-PIS account bank charges include additional PIS account charges on a per-bill or per-day basis. It is crucial to note that these charges are imposed by the client's bank and should be considered as supplementary expenses for them, distinct from the broker's charges.

Is the income from trading in stocks taxable in India? How much tax is levied

Yes, income from trading and investment in stocks such as trading gains, dividends etc. are taxable in India. Specific tax liability is different for every investor and depends on multiple factors.

Can NRIs repatriate funds from their stock trading linked bank account

Non-Resident Indians (NRIs) have the option to engage in investments within India utilizing either the Non-Resident External (NRE) account or the Non-Resident Ordinary (NRO) account. The NRE account, being an external account, is inherently repatriable. Conversely, the NRO account operates as a resident account, and accordingly, the funds within it are not repatriable via straight through processes. Funds in NRO accounts may be repatriated out of India subject to regulatory approvals and upto the maximum limit as prescribed by the regulators.

How do NRIs invest in mutual funds using the app

You may invest in mutual funds using the Sadhan app. Settlement of transactions will take place through your Indian bank account linked to your mutual fund investment account.

Can NRIs complete mutual funds KYC and onboarding online

No, the mutual funds onboarding process is offline. Once you register your interest through a simple click on the app, our support team will get in touch with you. They will assist in completion of KYC and onboarding without any hassle. Once the onboarding is complete, you may start investing through the app.

How does Sadhan help in completing mutual funds KYC and onboarding process

Our support team will share the standard list of documents with you. They will review your documents to ensure completeness and submit to the agencies. They will coordinate with agencies for completion of onboading. Once completed, they will advise you. You may then start investing in mutual funds using the app.

Are there additional charges for NRIs for investing in mutual funds

No, there are no additional charges for NRIs for investing in mutual funds. Standard fund expenses such as fund management and administration charges, distribution commission are applicable. Asset Management Companies or the associated entities do not leavy additional charges for NRI investors.

Is the income from mutual funds taxable in India? How much tax is levied

Yes, income from mutual fund investments such as redemption gains, dividends etc. are taxable in India. Specific tax liability is different for every investor and depends on multiple factors.

Can NRIs repatriate funds from their mutual funds linked bank account

In order to engage in repatriation-based investments in Indian mutual funds, Non-Resident Indians (NRIs) are required to possess either a Non-Resident External (NRE) account or a Foreign Currency Non-Resident (FCNR) account. It is imperative to note that both the NRE and the FCNR accounts are classified as Repatriable accounts, and exclusively these two types of accounts are eligible for facilitating investments on a repatriation basis.

How can NRI users raise a query or log a complaint

Please send us a whats app text using links available on the app or write an email to us at support@sadhanwealth.com

Support

Know more about our customer upport channels

How do I get support if I have queries or complaints

Please send us a whats app text using links available on the app or write an email to us at support@sadhanwealth.com

How long does it take for resolution of queries or issues

We try to resolve the queries within 48 hours. However, some of the queries involve coordnating with other entities and regulatory agencies. In such cases, we may not be able to commit to a fixed resolution time. However, we always try to resolve your queries on priority.

How can Knowledge Centre module help with some useful information

Please do explore our knowledge centre to get some useful information about mutual fund investments. It provides explanation about multple mutual fund scheme types and the process of selecting a scheme in line with your requirements. For personalized assistance, please send us a whats app text using links available on the app or write an email to us at support@sadhanwealth.com

FAQ - Sadhan

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