Risk Disclosure

Investments in securities are subject to market risks. Read all related documents carefully before investing. Past performance is not indicative of future returns.

What Sthira is not

• Not a deposit. Returns are not guaranteed.
• Not insured by the RBI, DICGC, or any government scheme.
• Not a substitute for personalized financial advice. We follow a regulated advisory framework, but every investor's circumstances are different.
• Not a vehicle for speculative or short-term trading. Sthira is built for long-horizon, goal-based investing.

Specific risks

• Market risk — equity and debt instruments fluctuate. Drift rebalancing reduces concentration risk but does not eliminate market risk.
• Liquidity risk — certain instruments may not be redeemable instantly. Sthira will surface this before any allocation.
• Operational risk — broker outages, payment failures, KYC mismatches. We mitigate with retries and clear surfacing, but you should be prepared for occasional delays.
• Regulatory risk — SEBI rules evolve. Sthira's behavior may change to remain compliant.

Pre-authorized actions

When you sign up, Sthira will ask you to pre-authorize a bounded set of actions (e.g., "rebalance when allocation drifts more than 5%"). These are bounded: outside those limits, Sthira will not act without re-consent. Read every consent screen carefully before approving.

Questions? Contact us.