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Blog Tag: personal finance India

NAV in Mutual Funds: Meaning, Formula & Examples

A complete guide to understanding Net Asset Value (NAV) in mutual funds — what it means, how it’s calculated, and why a lower NAV doesn’t make a fund cheaper or better. Includes real examples, NAV vs share price comparison, and what actually matters when choosing a mutual fund.

Terms & Conditions — SJS Finserve
LEGAL · SJS FINSERVE PRIVATE LIMITED

Terms & Conditions

These Terms & Conditions govern your use of the SJS Finserve Platform. By accessing or using the Platform, you agree to be bound by these Terms. Please read them carefully before proceeding.

sjsfinserve.com info@sjsfinserve.com Registered Office: Delhi, India Last Updated: [DD Month YYYY]
01

About Our Website

The SJS Finserve Platform provides information about our financial products, wealth management services, investor education, and related content for general informational purposes.

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No Investment Advice

Information on the SJS Finserve Platform is for informational purposes only and does not constitute investment, financial, tax, or legal advice. Users should seek independent professional advice before making investment decisions.

03

No Guarantee of Returns

All investments are subject to market risks, and past performance is not indicative of future results. SJS Finserve does not guarantee the accuracy, completeness, or future performance of any information or investment.

04

Platform Usage

By using the SJS Finserve Platform, you agree to use it only for lawful purposes and not to copy, reproduce, scrape, misuse, or attempt unauthorized access to any part of the Platform or its content.

05

Enquiries and Communication

Submitting an enquiry does not create any client or advisory relationship. SJS Finserve may contact you using the details provided to respond to your enquiry or provide information about its services.

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Third-Party Links

The SJS Finserve Platform may contain links to third-party websites or services. SJS Finserve is not responsible for their content, privacy practices, availability, or security.

07

Intellectual Property

All content, trademarks, logos, graphics, research, and other materials on the SJS Finserve Platform are the exclusive property of SJS Finserve Private Limited and may not be used without prior written permission.

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Limitation of Liability

SJS Finserve shall not be liable for any loss or damage arising from reliance on Platform content, investment decisions, technical interruptions, website unavailability, or circumstances beyond its reasonable control.

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Indemnity

You agree to indemnify and hold harmless SJS Finserve, its directors, employees, and affiliates from any claims or liabilities arising from your misuse of the Platform or violation of these Terms.

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Governing Law

These Terms are governed by the laws of India, and any disputes shall be subject to the exclusive jurisdiction of the courts in Delhi, India.

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Changes to these Terms

SJS Finserve may revise these Terms & Conditions at any time. Continued use of the Platform constitutes acceptance of the revised Terms.

QUESTIONS ABOUT THESE TERMS

Reach out any time.

info@sjsfinserve.com
Privacy Policy — SJS Finserve
LEGAL · SJS FINSERVE PRIVATE LIMITED

Privacy Policy

SJS Finserve Private Limited ("SJS Finserve", "we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose and safeguard your Personal Data in accordance with applicable laws in India.

sjsfinserve.com info@sjsfinserve.com Registered Office: Delhi, India Last Updated: [29 July 2026]
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Information We Collect

SJS Finserve may collect your name, contact details, information voluntarily provided by you, and technical data such as IP address, browser information, cookies, and website usage.

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Lawful Basis and Purpose of Processing

SJS Finserve uses your information to provide financial services, respond to inquiries, communicate relevant updates, comply with legal and regulatory obligations, and protect the Platform.

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Disclosure and Sharing of Data

SJS Finserve does not sell or rent your Personal Data. Information may be shared only with authorized service providers, business partners, regulators, or where required by applicable law.

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Data Security and Retention

SJS Finserve maintains reasonable security measures and retains Personal Data only for as long as necessary to provide services or meet legal and regulatory requirements.

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Cookies

SJS Finserve may use cookies and similar technologies to improve website functionality, analyze usage, and enhance user experience. You may manage cookies through your browser settings.

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Third-Party Websites and Services

The SJS Finserve Platform may contain links to third-party websites. SJS Finserve is not responsible for their privacy practices, content, or security.

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Data Retention

Personal Data is retained only for legitimate business, legal, and regulatory purposes and securely disposed of where permitted by law.

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Your Rights

Subject to applicable law, you may request access to, correction, or deletion of your Personal Data, or withdraw consent where applicable, by contacting SJS Finserve at info@sjsfinserve.com.

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Children's Privacy

The SJS Finserve Platform is not intended for children, and SJS Finserve does not knowingly collect their Personal Data.

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Changes to this Privacy Policy

SJS Finserve may revise this Privacy Policy from time to time. Any updates will be effective upon publication on the Platform with the revised "Last Updated" date.

QUESTIONS ABOUT YOUR DATA

Reach out any time.

info@sjsfinserve.com