WhatsAppFrom RM Priya Nair to Rajesh Mehta
Rajesh ji, the Nifty MLD is principal protected, so it's basically risk-free and you'll get 9.5% for sure. Shall I block ₹50L?Not sent · waiting for check
Client profile · Rajesh MehtaModerate
| Age, city | 54, Mumbai |
| Risk profile | Moderate |
| Accredited Investor | No |
| Note | Business owner |
House rules6
| R1 Assured returns | Never promise or imply guaranteed, assured, fixed or risk-free returns, or no downside, on a market-linked product (mutual funds, PMS, AIFs, equities, market-linked debentures). Fixed deposits and government securities may state their fixed coupon. |
| R2 Past performance | A past return must state its period and carry the caveat that past performance may not be sustained. Never present a past return as what the client can expect next. Projecting a past return forward is R2, not R1. |
| R3 Suitability | The product's risk must fit the client's risk profile. Conservative: up to Moderate. Moderate: up to High. Aggressive: any risk. Category III AIFs only for Aggressive clients. |
| R4 Minimum ticket | PMS needs at least ₹50 lakh. An AIF needs at least ₹1 crore unless the client is an Accredited Investor. |
| R5 Confidentiality | Never share another client's identity, holdings or deals, and never pass on unpublished price-sensitive information about a listed company. |
| R6 Inducements | No fee waivers, cashback, commission sharing or gifts to win business, beyond the approved fee schedule. |
What this tests: Promises a return on a market-linked product.
360 ONE model · by Dvar
✓ Correct
₹0.026 · 6.3 s
EDITEdit before sending
R1Assured returns“the Nifty MLD is principal protected, so it's basically risk-free and you'll get 9.5% for sure”
Suggested rewrite
Rajesh ji, the Nifty MLD offers principal protection, but it is a market-linked product, so returns are not guaranteed. The indicative return is 9.5% based on current conditions, but actual returns may vary. Shall I block ₹50L?
How it was checked · 5 of 5 checks passed
- PASSRight verdict
- PASSCatches every breach
- PASSNo false alarms
- PASSQuotes the message
- PASSClean rewrite
₹0.246 · 2.8 s
EDITEdit before sending
R1Assured returns“principal protected, so it's basically risk-free and you'll get 9.5% for sure”
Suggested rewrite
Rajesh ji, the Nifty MLD has principal protection, subject to its terms and issuer credit risk. The 9.5% return is not guaranteed and depends on the market-linked payout terms. Shall I block ₹50L?
How it was checked · 5 of 5 checks passed
- PASSRight verdict
- PASSCatches every breach
- PASSNo false alarms
- PASSQuotes the message
- PASSClean rewrite
