Karvy Capital

This Risk Profiler is intended only for use of individuals who wish to avail the portfolio management services of Karvy Capital Limited.

This short questionnaire has been designed to help us understand your risk tolerance. Questions asked here provide some indication of the risk tolerance for a typical investor displaying your personal investment characteristics and indicates the profile you fit into. However this profiler is not exhaustive and may not cover all the aspects that you should be considering while making an investment decision. Further, the risk profiling process is entirely dependent on your responses to the questions asked and in case of different responses by you, your actual risk profile may be significantly different from what is indicated here.

Kindly read the Risk Disclosure document to know all risks pertaining to your investment in the Demeter Strategy offered by Karvy Capital Limited

Applicant Full Name

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PMS Strategy Name

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Demeter

Qualitative Factors:

Personal Details

Email

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PAN

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Number of dependants for whom you are responsible

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Number of earning members in your family

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Details of your Residence

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Financial Details

Your annual take Home Income in INR

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Individual:

Consolidated:

Stability of your income stream

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Your current savings in INR

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Your current expenses as a percentage of income (excluding loans)

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%

Expected Growth in Current Expenses [percentage terms]

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%

Loan details [if any] in INR

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Home loan	Amount:	Monthly EMI:
Car loan	Amount:	Monthly EMI:
Education loan	Amount:	Monthly EMI:

Insurance (Medical) in INR

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Insurance (Term)

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Years

Any liquidity requirement in the future in INR

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Investment Details

Current Asset Allocation (Percentage Allocation)

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Liquid Assets: % Non-Liquid Assets: %

Capital Market Experience

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DebtEquityCommoditiesGoldReal EstateAlternative AssetsNo prior experience

Derivative Market Experience?

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Means of Financial Decisions

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Your Risk Tolerance as perceived by you

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Quantitative factors:

Personal details:

Your age 0-35 years
35-50 years
50-65 years
More than 65 years

Financial Details:

Which of the following best describes your lifestyle? Typically live well within my means – expenses are a small fraction of income
I live comfortably, and upgrade lifestyle with increase in income
Lifestyle is high – expenses often match my income; have faced a cash crunch once or twice
How do you decide your lifestyle? I decide my lifestyle expenses and then try to get my income
I know my income and hence, define my lifestyle
How do you plan your expenses, savings and investments? I devote a bit of time every month to do a rough budgeting exercise
I draw money from ATMs and spend as required; the balance is my savings
I get into financial planning mode just before end-March, to make sure I do not end up paying excess tax; otherwise most of the money stays in my bank account
I have often paid excess tax in the past or have unclaimed bills since I did not follow up in time

Product Related:

Investment Objective – Regular Income
Long Term growth
Short term trading
Which return scenario is preferable? AB
CD
You have invested in shares that you expect will become 5-baggers^* in 2-3 years. These share prices drop 30% soon after you buy them. You:
[ ^* The expression depicts stocks with explosive growth prospects which could be of the order of 5 times. ] Sell
average your cost by buying more
wait and watch
see your cash flow at the end of the year and buy more if the prices of these shares are still low
You have invested Rs. 100. Which of the following return profiles would you prefer? Guaranteed return of +5% next year
Returns can range between 0% and +10%
Returns can range between –20% and +20%
Returns can range between – 50% and +100%
If you hear about a good stock 'tip' from a friend, what do you typically do? Ignore the advice
Research the stock before buying the stock
Invest a small amount without doing research
Borrow money to buy the stock
You win Rs. 10 lakh in a lucky draw and you have a chance to increase your winnings. Which one of the following would you choose? Take home the Rs. 10 lakh
Take a 50% chance of winning Rs. 20 lakh
Take a 20% chance of winning Rs. 50 lakh
Take a 5% chance of winning