Risk Disclosure

Last Updated: 7 April 2026

1. General Risk Statement

Trading and investing in financial instruments including stocks, derivatives, and mutual funds involves substantial risk and is not suitable for every investor. You should carefully consider your investment objectives, level of experience, and risk appetite before investing. Do not invest money you cannot afford to lose.

2. Types of Investment Risks

2.1 Market Risk

Stock prices are influenced by a wide range of factors including economic conditions, geopolitical events, industry trends, and market sentiment. The value of your investments can go up or down, and you may receive back less than the amount you originally invested.

2.2 Liquidity Risk

Some stocks, particularly small-cap and micro-cap companies, may have low trading volumes, making it difficult to buy or sell shares at your desired price. During market stress, liquidity can dry up even for large-cap stocks.

2.3 Volatility Risk

Stock prices can be highly volatile, experiencing significant price swings within short periods. The Indian markets have circuit limits (2%, 5%, 10%, 20%) to manage extreme volatility, but these may also prevent you from executing trades during sharp moves.

2.4 Regulatory Risk

Changes in government policies, tax regulations, SEBI rules, or exchange regulations can impact stock prices and market conditions. The Indian financial regulatory landscape is evolving and new regulations may affect your investments.

2.5 Currency Risk (for international investors)

Foreign investors face additional currency risk as the value of the Indian Rupee (INR) may fluctuate against their home currency, affecting the value of their investments in INR-denominated securities.

2.6 Company-Specific Risk

Individual stocks are subject to risks specific to the company, including poor management decisions, competitive pressures, financial distress, fraud, regulatory actions, and operational failures.

2.7 Sector Risk

Investing heavily in a particular sector exposes you to sector-specific risks. For example, the IT sector is affected by global technology spending, while the banking sector is influenced by interest rates and credit quality.

2.8 Information Risk

Investment decisions based on incomplete, outdated, or inaccurate information can lead to significant losses. While NiveshIQ strives for accuracy, we cannot guarantee that all data is error-free or current.

3. Risk Specific to Our Platform

• Data Delays: Market data displayed on NiveshIQ may be delayed and should not be used for real-time trading decisions
• Analysis Limitations: Our educational analysis tools use historical data and technical indicators which have inherent limitations and may not predict future movements
• Not Comprehensive: Our analysis may not cover all factors relevant to an investment decision
• Technology Risks: Website availability, data feed interruptions, or technical errors may affect your access to information

4. Important Disclosures for Indian Investors

• "Investments are subject to market risks, read all scheme related documents carefully"
• "Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors"
• Short-term capital gains (equity, holding period < 12 months) are taxed at 15%
• Long-term capital gains (equity, holding period > 12 months) exceeding ₹1 lakh are taxed at 10%
• Securities Transaction Tax (STT) is applicable on all equity transactions

5. SEBI Investor Awareness

SEBI encourages investor awareness. Here are important investor protection resources:

• SEBI Toll Free: 1800 266 7575
• SEBI SCORES: scores.sebi.gov.in (Complaint resolution)
• SEBI Investor Website: investor.sebi.gov.in
• Investor Awareness: SEBI Investor Education

6. Recommendations for Risk Management

• Never invest more than you can afford to lose
• Diversify your portfolio across different sectors and asset classes
• Set stop-loss orders to limit potential losses
• Maintain a long-term perspective; avoid panic selling during market downturns
• Regularly review and rebalance your portfolio
• Keep yourself updated with market developments and regulatory changes
• Consult a SEBI-registered financial advisor for personalised guidance

7. Contact Us

NiveshIQ
Email: support@niveshiq.com
If you have concerns about any content on our platform, please contact us immediately.