The following details, along with the linked documents and pages, provide basic and essential information about the Investment Advisor and its investment advisory services, to help clients and prospective clients make an informed decision about availing such services.
Details about the Investment Adviser
Information as required by Regulation 18(1)
Vinayak Arun Kini is a SEBI registered part-time investment adviser (IA) vide SEBI Registration Number INA000021304 dated 4-Nov-2025, pursuant to which he is authorized to provide investment advisory services.
Business Activities and Services
Information as required by Regulation 18(1)
The investment advisory practice focuses on providing structured, goal-oriented financial advice to individuals and families, guided by fiduciary responsibility and regulatory compliance.
'PersoniFI' is the Brand used by Vinayak Arun Kini to manage the investment advisory practice.
SEBI Registration
We are registered with Securities and Exchange Board of India (SEBI) as an Investment Adviser and guided by its regulatory compliance mandates.
Name of the Investment Adviser: Vinayak Arun Kini
Type: Individual, Part-time Investment Adviser
SEBI Registration No. INA000021304
Validity: Nov 04, 2025 - Perpetual
IAASB - BSE Enlistment
We are also enlisted with BSE, which is the current Investment Adviser Administration and Supervisory Body (IAASB), appointed by SEBI, and accordingly guided by its regulatory compliance mandates.
BSE Enlistment No. 2371
Our Contact Details
Name of the Contact Person / Principal Officer / Compliance Officer: Vinayak Arun Kini
Registered Office / Correspondence Office: 339, 4th Block, Koramangala, Bengaluru, Karnataka - 560034
Website: www.personifi.in
Email: personifi25@gmail.com
Mobile: +91 96116 17202
SEBI Contact Details
SEBI regional / local office address:
2nd Floor, Jeevan Mangal Building, No.4, Residency Road, Bengaluru - 560025, Karnataka
Ph: 080-22222262 / 22222264/ 22222283
Email: bangalore-lo@sebi.gov.in
Website: www.sebi.gov.in
Disciplinary History
Information as required by Regulation 18(1)
No action has been taken against the IA by any regulator.
Terms and Conditions on which Advisory Services are Offered
Information as required by Regulation 18(1)
The ‘Investment Advisory Agreement’ will be duly signed and executed with the client, outlining the agreement (terms and conditions) between IA and its client, including the investment advisory services provided by IA, also incorporating the terms and conditions specified by the SEBI.
Further, the Most Important Terms and Conditions (MITC) forming part of the Investment Advisory Agreement, is published here for reference and perusal.
Link to the latest MITC: Click here
Affiliations with Other Intermediaries
Information as required by Regulation 18(1)
The IA does not have any affiliation with any intermediary.
The IA does not recommend services of any stock broker or intermediary to a client. The IA does not have any commission sharing agreement with any intermediary for recommending the products / services either as a stock broker or as other intermediary.
Other Information
Information as required by Regulation 18(1)
The IA, in his personal capacity is employed with in an unlisted fintech. IA has obtained no-objection certificate (NOC) from the employer to operate as a part-time RIA in accordance with SEBI (Investment Advisor) Regulations.
Information as required by Para 2(iii)(e) of SEBI Guidelines Circular No. SEBI/HO/MIRSD/ MIRSD-PoD-1/P/CIR/2025/003 dated January 08, 2025
Any services or activities undertaken by the IA in his personal capacity, in relation to any other business or service (other than investment advisory), shall be outside the regulatory purview of SEBI, and no complaints in respect thereof may be raised with SEBI.
Holdings or Positions
Information as required by Regulation 18(4)
The IA - the Principal Officer and the Persons associated with investment advice (PAIA) may have holding or position, in the financial products or securities which are subject matter of advice.
The IA for its own individual / proprietary purposes may invest / divest in various securities / investments, from time to time at its own discretion. Such proprietary investment transactions may at times be contrary to the investment advice.
Conflict of Interest
Information as required by Regulation 18(5)
The IA does not have any connection to or association with any issuer of products / securities. Accordingly, there are no actual or potential conflicts of interest. Also, nothing compromises the objectivity or independence in carrying on the investment advisory services.
Product Features
Information as required by Regulation 18(6) and 18(7)
The Client is requested to go through the key features of the products or securities, particularly track record, and warnings, disclaimers and other relevant information before investing, as and when advised by the IA.
Such details about the products or securities may also be available on www.sebi.gov.in or www.nseindia.com or www.bseindia.com.
Non-SEBI Products or Services
Information as required by Regulation 18(8)
In case of advisory services in respect of products or services which are outside the purview of SEBI — such products or services and related advisory services in respect of such products or services shall be outside the regulatory purview of SEBI and no recourse from SEBI shall be available to such clients for any grievance arising therefrom.
Use of AI Tools
Information as required by Regulation 18(9)
The Investment Adviser uses certain third-party technology tools, including generative AI-based platforms, for research support, information summarization, drafting assistance, and idea generation.
The use of such tools is limited and assistive in nature and is subject to the following safeguards:
AI tools are not used for automated, discretionary, or unsupervised investment decision-making.
All investment advice is reviewed, validated, and finalized by the Investment Adviser based on professional judgment, client suitability, and regulatory requirements.
AI tools do not directly interact with clients and do not provide advice independently.
Client-specific advice is not generated solely by AI systems.
Confidential client information is not knowingly uploaded to AI platforms in a manner that compromises data privacy or confidentiality.
The Investment Adviser remains fully responsible and accountable for the investment advice provided to clients, irrespective of the use of any AI or technology tools.
Grievance Redressal Mechanism
In case of any grievance / complaint against the investment adviser:
Please contact CEO / Proprietor / Compliance Officer of the investment adviser:
Name: Vinayak Arun Kini
Address: 339, 4th Block, Koramangala, Bengaluru, Karnataka - 560034
Email: personifi25@gmail.com
Mobile: +91 96116 17202
If not satisfied with the response of the investment adviser you can lodge your grievances with SEBI at http://scores.gov.in or you may also write to any of the offices of SEBI.
For any queries, feedback or assistance, please contact SEBI Office on Toll Free Helpline at 1800 22 7575 / 1800 266 7575.
Access the complete Grievance redressal and dispute settlement mechanism: Click here
Disclosure of Investor Complaints
In order to further enhance transparency in grievance redressal, we disclose the details of investor complaints, as mentioned below, on a monthly basis.
Ref. In pursuance of the SEBI Circular No. SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/80 Date: 2nd June 2025
Monthly update of investor complaints: Click here
Published Investor Charter
For ease of reference, we have published a brief document, containing details of service provided to investors, their rights, dos and don’ts, responsibilities, investor grievance handling mechanism and timelines thereof, etc.
Ref. In pursuance of the SEBI Circular No. SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/80 Date: 2nd June 2025
Link to our published Investor Charter: Click here
Annual Compliance Audit Status
We disclose here, the status of compliance with ‘Annual compliance audit’ requirement under Regulation 19(3) of Securities and Exchange Board of India (Investment Advisers) Regulations, 2013 for last and current financial year, along with the ‘Compliance Audit Report’.
Ref. In pursuance of the SEBI Circular no. SEBI/HO/MIRSD/ MIRSD-PoD-1/P/CIR/2025/003 Date: 8th January 2025, and BSE Circular No. 20250702-38 Date: 2nd July 2025
FY 2023-24: Status: NA. Report: NA.
FY 2024-25: Status: NA. Report: NA.
NA – Not Applicable, as the SEBI Registration is valid from 4-Nov-2025. Link: Not Applicable.
Disclaimers
Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.