Your satisfaction and rights as an investor are our highest priority. If you have a complaint, concern, or grievance, here is how to raise it, track it, and get it resolved — at every level from us to SEBI.
SEBI and AMFI guarantee every mutual fund investor the right to a fair, timely, and transparent grievance redressal mechanism. As your AMFI registered distributor, we are legally bound to address your complaints promptly and escalate them where necessary.
We commit to resolve all grievances within 30 days of receipt. For urgent matters involving financial loss, we aim to respond within 7 working days.
Follow these steps to raise and track your complaint effectively:
Email, call, or WhatsApp us with your complaint details, folio number, and what resolution you expect.
We will acknowledge your complaint within 3 working days with a reference number for tracking.
We investigate your complaint and provide a written resolution within 30 days of receipt.
If unsatisfied, escalate to the AMC, AMFI, or SEBI SCORES. We will assist you with the process.
Email, call, or WhatsApp us with your complaint, folio number, and expected resolution.
We acknowledge your complaint within 3 working days with a tracking reference number.
We investigate and provide a written resolution within 30 days of receipt.
If unsatisfied, escalate to AMC, AMFI, or SEBI SCORES. We will assist you.
Please include your folio number / policy number, contact details, a clear description of the issue, and any supporting documents when filing a complaint. This helps us resolve it faster.
If your complaint is not resolved at one level, you have the right to escalate it to the next level — completely free of charge:
First point of contact. We resolve most grievances related to our distribution services, SIP registrations, and insurance introductions.
For complaints related to NAV, transaction errors, dividend payouts, or fund-specific issues, contact the respective AMC's investor services.
If not resolved by the AMC, register on SEBI SCORES or contact AMFI directly. SEBI mandates a 30-day resolution window for all SCORES complaints.
KukuMF — first point of contact for all distribution-related complaints.
Contact the respective Asset Management Company for fund-specific issues (NAV, transactions, dividends).
Register complaint on SEBI SCORES. Mandated 30-day resolution. Completely free.
SEBI and AMFI prescribe specific timelines for resolving investor complaints. Below are the mandatory and committed timelines at each stage:
| Stage | Complaint Type | Timeline |
|---|---|---|
| Acknowledgement (us) | All complaints | Within 3 working days |
| Resolution (us) | Distribution-related issues | Within 30 days |
| Resolution (AMC) | Transaction, NAV, folio issues | Within 30 days (SEBI mandate) |
| SEBI SCORES | Unresolved complaints | 30 days (SEBI mandate) |
| AMFI Arbitration | Distributor mis-selling | As per AMFI procedure |
| Insurance (IRDAI) | Policy and claim disputes | 15 days (IRDAI mandate) |
You can reach us through any of the following channels to raise your grievance. Please have your folio number or policy number ready:
Shop No.25, Suket Shopping Complex, Sundernagar, Mandi HP – 175002
Suket Shopping Complex, Sundernagar, HP
SEBI SCORES (SEBI Complaint Redress System) is an online platform that enables investors to lodge complaints directly with SEBI against listed companies, registered intermediaries, and mutual fund distributors.
If your complaint is not resolved within 30 days at the AMC level, register it on SEBI SCORES. SEBI monitors all complaints and ensures timely resolution. The portal is available 24/7 and is completely free to use.
If unresolved at AMC level after 30 days, register on SEBI SCORES. Free, 24/7, and monitored directly by SEBI.
For complaints related to insurance products distributed under our IRDAI License No. TATAAIA4727185, the grievance mechanism is regulated by IRDAI and is separate from the SEBI/AMFI process.
IRDAI Helpline: 155255 (toll-free) | Bima Bharosa: bimabharosa.irdai.gov.in | We will assist you in navigating the insurance grievance process.
As required by SEBI and AMFI regulations, we have designated the following officer to handle all investor grievances:
KukuMF — Designated Grievance Officer
AMFI Registered Mutual Fund Distributor · ARN 347452
Address: Shop No. 25, Suket Shopping Complex, Near Bus Stand Sundernagar, District Mandi, Himachal Pradesh – 175002
Phone: +91 9817040604
Email: bhawani@kukumf.com
Working Hours: Mon–Sat, 10:00 AM – 6:00 PM (except public holidays)
KukuMF (AMFI ARN 347452) is committed to handling all investor grievances with fairness, transparency, and within prescribed timelines. We treat every complaint as an opportunity to improve our services.
For mutual fund grievances: scores.sebi.gov.in · SEBI Helpline: 1800-266-7575 · For insurance: IRDAI Helpline 155255 · bimabharosa.irdai.gov.in