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GrowBhav by Ruppeecoin

Document Type: Institutional Brand & Compliance Policy
Applicability: All communications, platforms, partners, employees
Regulatory Alignment: SEBI | Mirae Asset Sharekhan Distributor Norms
Effective Date: [12.01.2026]
Approval Authority: Founder / Puuneet Saxena

1. Purpose

This policy governs the use of the brands “GrowBhav” and “Ruppeecoin” to ensure:

  • Full compliance with SEBI regulations

  • Alignment with Mirae Asset Sharekhan distributor norms

  • Clear separation between distribution, facilitation, and education

  • Prevention of mis-selling, advisory representation, or return implication

This policy is mandatory and binding.

2. Brand & Legal Architecture

2.1 Legal & Regulated Entity

Ruppeecoin

  • Legal operating entity

  • Registered distributor / intermediary (as applicable)

  • Accountable for regulatory compliance, disclosures, and audit

2.2 Market-Facing Brand

GrowBhav

  • Educational, diagnostic, and capital facilitation platform

  • Does not represent itself as:

    • Investment Advisor (RIA)

    • Portfolio Manager (PMS)

    • AIF Manager

    • Merchant Banker

unless separately registered under applicable SEBI regulations.

3. Mandatory Relationship Disclosure

The following disclosure must be used consistently:

“GrowBhav is an educational and capital facilitation platform operated by Ruppeecoin. Investment products, where applicable, are distributed in compliance with SEBI regulations through authorised intermediaries. No investment advice or return assurance is provided unless permitted under applicable registrations.”

4. Permitted Brand Usage

4.1 Use GrowBhav for:

  • Financial education & awareness

  • Capital readiness assessments

  • Wealth mapping & risk diagnostics

  • Family office frameworks (non-advisory)

  • Business preparedness tools

  • Institutional reports without product recommendation

4.2 Use Ruppeecoin for:

  • Distributor disclosures

  • Client onboarding documentation

  • Product-related communication

  • SEBI-mandated risk disclosures

  • Contracts, invoices, and agreements

5. Distribution Alignment (Sharekhan-Specific)

Where investment products are referenced:

  • All communication must:

    • Clearly state “distributed by Ruppeecoin”

    • Carry Sharekhan-mandated disclaimers

    • Avoid comparisons, rankings, or performance claims

  • No communication may:

    • Imply discretionary management

    • Suggest suitability or recommendation

    • Use language like “best”, “ideal”, “guaranteed”, “safe”

6. Prohibited Representations

Unless separately registered, the following are strictly prohibited:

❌ “We recommend”
❌ “We advise”
❌ “This suits you”
❌ “Assured returns”
❌ “Risk-free”
❌ “Capital protection guaranteed”

GrowBhav must never be positioned as an advisor or fund selector.

7. Founder Representation

  • Puneet Saxena may be identified only as:

    • Founder of GrowBhav

    • Representative of RuppeeCoin

  • Personal opinions must:

    • Be clearly labelled as educational or informational

    • Avoid market predictions or return expectations

8. Partner & Third-Party Usage

  • No partner, CA, NBFC, or affiliate may:

    • Use GrowBhav or RuppeeCoin branding to solicit investments

    • Issue product communication without approval

    • Modify disclaimers or disclosures

  • Written compliance approval is mandatory for co-branding.

9. Enforcement & Audit

  • Brand misuse constitutes a compliance breach

  • Violations may trigger:

    • Partner disengagement

    • Distributor reporting

    • Regulatory escalation if required

10. Governing Principle

Education is not advice.
Facilitation is not a recommendation.
Distribution follows regulation.

GrowBhav builds understanding.
RuppeeCoin ensures compliance.
Sharekhan ensures execution.

Brand Usage Policy

Ruppeecoin operates as a capital facilitation and financial structuring platform. Services do not constitute investment advice, portfolio management, or return assurance unless explicitly stated and conducted under applicable regulatory registrations. All capital market activities are subject to prevailing laws, SEBI regulations, and risk disclosures. “GrowBhav is a capital facilitation and financial structuring platform operated by RuppeeCoin. Services do not constitute investment advice or return assurance unless conducted under applicable regulatory registrations.”

“Investments in securities markets are subject to market risks. Please read all related documents carefully before investing.”⁸

© 2025 Growbhav powered by Ruppeecoin. All Rights Reserved. Growbhav is the customer-facing brand of Ruppeecoin.

Ruppeecoin is an authorized sub-broker (Code: PB11920) of Mirae Asset Sharekhan Ltd (SEBI Reg. No: INZ000171337). Registered with NSE(AP2069574611), BSE(AP01074801160643), and MCX(165990), ARN-325627 for Mutual Fund Distribution, APRN Code : APRN06782 for PMS Distribution.

Office Address: Ruppeecoin, FL 302, TW 9, Motia Blue Ridge, Peermuchalla, Zirakpur, Mohali - 140603, India. Tel: +919592765156

Mirae Asset Sharekhan’s registration details:

Sharekhan Ltd - SEBI Regn. No.: BSE / NSE / MCX: INZ000171337 | BSE 748 – CASH/FAO/CD | NSE 10733 – CASH/FAO/CD | MCX 56125 – Commodities | Depository services through: NSDL / CDSL - IN-DP-365-2018

PMS: INP000005786; Sharekhan Ltd. (AMFI-registered Mutual Fund Distributor) Mutual Fund: ARN 20669 (date of initial registration: 03/07/2004, and valid till 02/07/2026); Research Analyst: INH000006183; IRDAI Registered Corporate Agent (Composite) License No. CA0950, valid till June 13, 2027.

Email ID for redressal of investor grievance: ruppeecoin.owner@bp.sharekhan.com, Compliance Officer: Mr. Puneet Saxena; Email ID: ruppeecoin@bp.sharekhan.com; Tel: +919915551245. For any complaints email at contact@ruppeecoin.com.

Message From Regulator: No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account.

1) Message from Exchange(s): Prevent Unauthorised transactions in your account --> Update your mobile numbers/email IDs with your stock brokers. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day. Issued in the interest of investors.

2) Message from Depositories: a) Prevent Unauthorized Transactions in your demat account --> Update your mobile number with your Depository Participant. Receive alerts on your registered mobile for all debit and other important transactions in your demat account directly from NSDL on the same day issued in the interest of investors. b) KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.

Disclaimer: Investment in securities market are subject to market risks, read all the related documents carefully before investing.

Past performance is not indicative of future results.

We act as a mutual fund distributor and may earn commissions from AMCs. Grievances may be directed to ruppeecoin.owner@bp.sharekhan.com or SEBI at www.scores.gov.in.

Brokerage will not exceed SEBI prescribed limit. Please refer the Risk Disclosure Document issued by SEBI and go through the Rights and Obligations and Do's and Dont's issued by Stock Exchanges and Depositories before trading on the Stock Exchanges.

For commodities derivatives please note that Commodities Derivatives are highly leveraged instruments. PMS is not offered in Commodity Derivative Segment by Mirae Asset Sharekhan.

Before investing in the asset class consider your investment objectives, level of experience and risk appetite carefully. The securities are quoted as an example and not as a recommendation.

Investments in securities market are subject to market risks. Please ensure you understand the risks involved before investing.

Brokerage will not exceed SEBI prescribed limits.

The final execution of trades is through Mirae Asset Sharekhan.

Past performance is not indicative of future results. Returns mentioned are illustrative and subject to market conditions.

Portfolio Management Services (PMS) / Alternative Investment Funds (AIF) are high-risk investment products, suitable only for investors with high risk appetite. Kindly read the Disclosure Document and Risk Profile Suitability before investing.

We are not an Investment Adviser. We act as a distributor of mutual funds and receive commission from AMCs. We are not charging any fees directly from clients for mutual fund distribution services.

We comply with KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines as prescribed by SEBI, RBI, and FIU-India. Investments will be allowed only after completion of KYC verification.

Opening of account will not guarantee allotment of shares in IPO. (Source – DRHP) Investors are requested to do their own due diligence before investing in any IPO.

Mutual funds disclaimer: Mutual Fund investment are subject to market risk. Read all the scheme related documents carefully before investing.

Quantities, amounts, figures, graphs and rates shown / displayed are exemplary and not recommendatory or actual.

For scheme-related information, please refer to the Scheme Information Document available on the relevant AMC's website for detailed Risk Factors, assets allocation, investment strategy, etc.

– Investment Services in India | SME IPO Advisory | Mutual Funds | Equity | Portfolio Management | Loans | Financial Services in India.

SEBI Disclosure & Disclaimer:

Investment in securities market is subject to market risks. Read all the related documents carefully before investing.

Educational Purpose Only: All information, charts, and analysis shared on this website are intended solely for educational purposes and should not be interpreted as investment advice.

Not SEBI Registered: We are not registered with SEBI as investment advisors, or analysts,. Any content provided does not constitute an endorsement or recommendation to buy or sell any securities.

No Investment Recommendation: We do not recommend any specific stocks, securities, or investment strategies. Decisions made based on the information provided on this website are at your own risk.

Consult Your Financial Advisor: It is strongly recommended that you consult a qualified financial advisor before making any investment decisions. We are not responsible for the outcomes of any decisions made based on the information provided.

No Responsibility for Profit or Loss: We are not liable for any profits or losses you may incur as a result of following our analysis or suggestions. Trading and investing in the stock market involves significant risk, and you should only invest what you can afford to lose.

Accuracy and Reliability: While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy, completeness, or reliability of any content on this website.

Past Performance is Not Indicative of Future Results: References to past performance of any trading or investment strategies are not indicative of future results. Financial markets are unpredictable, and past performance does not guarantee future success.

Use at Your Own Risk: By using this website, you acknowledge that you are fully aware of the risks involved in trading and investing in the stock market and agree to use the information provided at your own risk.

Non-Public Distribution: This report is not for public distribution and has been furnished to you solely for educational purposes and general information. It should not be reproduced or redistributed in any form.

No Personal Recommendation: This report does not constitute a personal recommendation or consider the specific investment objectives, financial situations, or needs of individual clients.

Market Fluctuations: The price and value of the investments discussed in this material, along with the income from them, may fluctuate, and investors may experience losses.

Future Returns: Past performance is not a guide for future performance. Future returns are not guaranteed, and a loss of original capital may occur.

Consultation Required: Recipients of this report should seek advice from their independent financial advisor before making any investment decisions based on this report or for any necessary clarification of its contents.

Suitability of Securities: The securities discussed and opinions expressed in this report may not be suitable for all investors. Each investor must make their own decisions based on their investment objectives, financial situation, and specific needs.

Risk of Certain Transactions: Certain transactions, including those involving futures, options, other derivative products, and non-investment grade securities, involve substantial risk and are not suitable for all investors.

No Guarantee of Returns: This report does not contain any promise or guarantee of assured or risk-free returns to investors. There are no assured returns, minimum returns, target returns, or any other statements that might suggest the investment advice or recommendations are risk-free or can generate returns with any level of certainty.

CONTACTS:

Email: puuneetsaxena@gmail.com

Website: https://www.ruppeecoin.com/

Phone: +91 9915551245; Mobile: +91 9592765156

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