Regulatory Disclosure, Investor Charter & Disclaimer
time.money is the online division of Karat Capital Advisors Private Ltd (KCAPL). RIA No. INA200015219 · BASL Membership No. BASL1419
Grievance Status Disclosure
As per SEBI's Regulations, all RIAs are required to disclose the grievance status on their website.
Complaint Status — August 2026
| Source | Pending (prev) | Received | Resolved* | Total Pending # | > 3 months | Avg Time (days) |
|---|---|---|---|---|---|---|
| Directly from Investors | 0 | 0 | 0 | 0 | 0 | 0 |
| SEBI (SCORES) | 0 | 0 | 0 | 0 | 0 | 0 |
| Other sources (if any) | 0 | 0 | 0 | 0 | 0 | 0 |
| Grand Total | 0 | 0 | 0 | 0 | 0 | 0 |
* Inclusive of complaints of previous months resolved in current month
# Inclusive of complaints pending as on the last day of the month
Trend of Monthly Disposal of Complaints (Yearly Summary)
| Financial Year | Carry Forward | Received | Resolved* | Pending# |
|---|---|---|---|---|
| 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 |
* Inclusive of complaints of previous months resolved in current month
# Inclusive of complaints pending as on the last day of the month
Annual Compliance Audit — Regulation 19(3)
As required under SEBI (Investment Advisers) Regulations, 2013.
| Financial Year | Audit Status | Remarks | Action Taken |
|---|---|---|---|
| FY 2021-22 | Conducted | To appoint a Compliance Officer | Completed |
| FY 2022-23 | Conducted | — | — |
| FY 2023-24 | Conducted | — | — |
| FY 2024-25 | Conducted | — | — |
How to resolve your disputes
SEBI has introduced an Online Dispute Resolution mechanism via the SMART ODR Portal. time.money, through Karat Capital Advisors Private Limited, is registered on this portal. Follow the steps below.
SCORES Portal
If unsatisfied with our resolution, register on the SEBI SCORES portal.
scores.sebi.gov.in (opens in new tab)ODR Portal
After exhausting all options, initiate dispute resolution through the ODR Portal.
smartodr.in/login (opens in new tab)Each step should be completed before moving to the next. Complaints cannot be lodged on the ODR Portal if pending at any other level.
Grievance Redressal / Escalation Matrix
Ramesh G
Ramesh B
Office Address: #3499, 2nd Floor, 14th Main, Indiranagar, Bangalore 560 038
time.money is a unit of Karat Capital Advisors Private Limited, SEBI RIA INA200015219.
Charter & Disclaimer
Investor Charter
SEBI Investor Charter in respect of Investment Adviser, as mandated by the Securities and Exchange Board of India.
SEBI IA Investor Charter PDF (opens in new tab)Disclaimer
Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL, and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
About the ODR Portal
The ODR Portal is a platform where complaints can be lodged only after raising them directly with the company or the SCORES platform. No complaint should be pending at any other level, court, tribunal, or consumer forum. Under the ODR Portal, disputes are resolved using Conciliation or Arbitration, conducted entirely online.