Buy Now Pay Later (BNPL) Craze: The Millennial Credit-Free Trap

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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.

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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.

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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.

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

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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.

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