Trade the Markets with Confidence and a Solid Plan.
Trade the markets with confidence and a solid plan. Stay focused on quality setups, manage risk smartly, and follow a disciplined approach. With the right strategy and consistent execution, you can navigate volatility, capture opportunities, and grow your capital steadily. Let your decisions be guided by logic, not emotions.
Know How it Works
MONEY AND WEALTH BY DILIP KARMUR
Successful trading is not about predicting the future; it is about engineering a high-probability strategy based on hard numbers, strict discipline, and managed risk.
M&W ELITE
- NIFTY & SENSEX TRADES
- DAILY UP TO 2-3 OPTION TRADES
- SYSTEMATIC ENTRY,EXIT AND TARGET STOCK OPTION TRADE
ALPHA EXPANSION (SWING TRADES)
- EQUITY SHORT TERM INVESTMENT
- TECHNO-FUNDA SWING TRADES
- 12-15 TRADES PER MONTH
- SYSTEMATIC ENTRY,EXIT AND TARGET
IDEAL INVESTMENT
- LONG TERM INVESTMENT
- STRONG FUNDAMENTAL RESEARCH
- MOMENTUM INVESTING
ELITE COMMODITY
- GOLD,SILVER AND CRUDE OIL TRADE
- DAILY UP TO 2-3 OPTION TRADES
- SYSTEMATIC ENTRY,EXIT AND TARGET
Who we are?
Welcome to Money & Wealth Elite, the digital home of process-driven market research engineered by Dilip Karmur.Operating from Jamnagar, Gujarat, Dilip Karmur is a SEBI Registered Individual Research Analyst (Registration No. INH000028103, registered on June 12, 2026). our platform is dedicated to providing data-backed financial market research, structural stock recommendations, and systematic risk-managed investment plans.
Our Core Philosophy: Simple Concepts. Strong Foundations.
At Money & Wealth Elite, we don't believe in chasing market noise, speculative tips, or complex, unproven theories. We focus on simplifying core market concepts so that every trader and investor can understand the data and logic behind a move.Our mission is to help you build disciplined, long-term financial wealth on a foundation so rock-solid that it can confidently withstand any market volatility.
Karmur Dilip
KARMUR DILIP is a SEBI Registered Research Analyst with more than 8+ years of experience across Indian financial markets.
He is a qualified Mechanical Engineer who seamlessly bridges the precision of technical engineering with the dynamic world of financial analytics. Moving away from speculative guesswork, our approach focuses on disciplined execution, structured risk management, and process-driven market participation.Through precise technical and fundamental data metrics across Options, Futures, Commodity, and Long-Term Equity, we provide structured analysis to help you make informed, responsible decisions in dynamic market conditions.
Compliance Data
All regulatory disclosures, policies, and compliance information in one place.
Complaint Status
Complaint data disclosed by the 7th of every succeeding month as per SEBI Master Circular.
| Source | Pending (Prev.) | Received | Resolved | Total Pending | Pending >3m | Avg. Days |
|---|---|---|---|---|---|---|
| Directly from Investors | 0 | 0 | 0 | 0 | 0 | 0 |
| SEBI (SCORES) | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Sources | 0 | 0 | 0 | 0 | 0 | 0 |
| Grand Total | 0 | 0 | 0 | 0 | 0 | 0 |
Complaints received due to impersonation by another entity: 0 | Data for month ending: August 2026
Investor Charter for Research Analysts
Vision: Invest with knowledge & safety.
Mission: Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.
Rights of Investors
- Right to Privacy and Confidentiality of your personal and financial information.
- Right to Transparent Practices — clear disclosure of all terms, fees, and methodology.
- Right to Fair and Equitable Treatment without discrimination.
- Right to Adequate Information for making informed investment decisions.
- Right to Initial and Continuing Disclosure — receive all statutory and regulatory disclosures.
- Right to Fair and True Advertisement — no misleading claims or assured returns.
- Right to Awareness about Service Parameters and Turnaround Times.
- Right to be Heard and Satisfactory Grievance Redressal within prescribed timelines.
- Right to Exit from financial product or service as per agreed terms and conditions.
- Right to receive clear guidance and caution notice for complex/high-risk financial products.
- Right to provide feedback on financial products and services used.
- Right against coercive, unfair, and one-sided clauses in financial agreements.
Do's for Investors
- Always deal with SEBI registered Research Analyst.
- Ensure the Research Analyst has a valid registration certificate. Check SEBI Reg. No. INH000028103.
- Pay only through banking channels and maintain duly signed receipts with payment details.
- Check research recommendations before buying or selling securities.
- Ask all relevant questions and clear doubts with your Research Analyst before acting on any recommendation.
- Inform SEBI about any Research Analyst offering assured or guaranteed returns.
Don'ts for Investors
- Do not provide funds for investment to the Research Analyst.
- Do not fall prey to luring advertisements or market rumours.
- Do not get attracted to limited period discount or incentive/gifts offered by Research Analyst.
- Do not share login credentials and passwords of your trading, demat, or bank accounts.
Grievance Redressal Policy
Research Analyst Details
Name: Karmur Dilip Merubhai
SEBI Reg. No.: INH000028103
Email: dilipkrmr@gmail.com
Office Address
Radheshyam Nagar, Bhanvad,
Taluka- Bhanvad, District Jamnagar,
GUJARAT, 360510
Three-Step Escalation Process
Approach Karmur Dilip Merubhai at dilipkrmr@gmail.com. The RA shall strive to redress the grievance immediately, but not later than 21 days of receipt.
If not resolved, lodge a complaint at scores.sebi.gov.in. Two-level review: First by RAASB (designated body), Second by SEBI. You may also email the designated email ID of RAASB.
File for online conciliation or arbitration at smartodr.in. Physical complaints may be sent to: Office of Investor Assistance and Education, SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (E), Mumbai – 400 051.
Terms & Conditions
These terms and conditions outline the rules for use of Karmur Dilip Merubhai's research services (SEBI Reg. No. INH000028103). By accessing this website or availing our services, you agree to be bound by these terms.
Use License
- Permission is granted to temporarily download one copy of the materials for personal, non-commercial transitory viewing only.
- You may not modify or copy the materials, use for commercial purpose, decompile any software, or transfer materials to another person.
- Research recommendations are provided exclusively to entitled clients and must not be forwarded or shared with any third party through any medium.
Fees & Subscriptions
- Subscription fees are charged for paid research services. Free research calls may be provided via Telegram/WhatsApp to free subscribers.
- Fees paid towards subscription are non-refundable unless a proportionate refund is applicable for unexpired period as per SEBI regulations.
- Payment must be made through banking channels only. No cash payments accepted.
Disclaimers & Disclosures
- Investment in securities market is subject to market risks. Read all related documents carefully before investing.
- We do not promise any guaranteed or assured returns. Registration granted by SEBI and certification from NISM in no way guarantees performance.
- Karmur Dilip Merubhai is registered as a Research Analyst (not Investment Advisor) vide Reg. No. INH000028103. The RA cannot execute trades on behalf of clients.
- Recommendations on social media (Telegram/WhatsApp/YouTube) are for education/illustration purposes only and are not investment advice.
Limitations & Governing Law
- Karmur Dilip Merubhai shall not be liable for any damages arising out of use or inability to use the materials or research services.
- The RA shall never ask for client's login credentials, OTPs, or passwords for trading, demat, or bank accounts.
- Any claim relating to this website or services shall be governed by Indian laws, subject to jurisdiction of courts of Haryana only.
- These terms may be revised at any time without notice. Continued use of this website constitutes acceptance of revised terms.
Privacy Policy
Your privacy is very important to us. This policy explains how Karmur Dilip Merubhai (SEBI Reg. No. INH000028103) collects, uses, and protects your personal information.
Information We Collect
- Non-personally-identifying information such as browser type, language preference, referring site, and date/time of visitor requests.
- Potentially personally-identifying information like Internet Protocol (IP) addresses for security reasons.
- Personal information provided during KYC: name, address, PAN, and contact details.
- Communication records including emails, telephone recordings, and other correspondence, stored for a minimum period of five years as mandated under SEBI Regulations.
How We Use Your Information
- To provide research services and deliver research reports as agreed in the terms and conditions.
- To comply with regulatory requirements including KYC norms, AML obligations, and periodic reporting to SEBI/RAASB.
- To communicate service-related information, research recommendations, and updates via email or registered mobile number.
Data Protection & Disclosure
- Karmur Dilip Merubhai will not rent or sell personally-identifying information to anyone.
- Information is disclosed only to employees/contractors who need it to process services on behalf of Karmur Dilip Merubhai, and who have agreed not to disclose it to others.
- All measures reasonably necessary are taken to protect against unauthorized access, use, alteration, or destruction of personally-identifying information.
Cookies & Policy Changes
- Cookies are used to help identify and track visitors, their usage of the website, and website access preferences.
- Visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using this website.
- Karmur Dilip Merubhai may change this Privacy Policy from time to time at sole discretion. Continued use of this site after any change constitutes acceptance of the change.
Disclaimer
Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
- Karmur Dilip Merubhai is registered with SEBI as Individual Research Analyst with Registration number INH000028103 with effect from 10/04/2026, pursuant to which research analyst services are provided to clients.
- I am not affiliated with any other intermediaries or receive any brokerage or commission from any third party. No penalties/directions have been issued by SEBI or any other regulatory body.
- I do not recommend any stock broker or other intermediary to a client, nor receive any consideration by way of remuneration from any stock broker or intermediary.
- Recommendations and research reports are based on publicly available information and analyst judgment. They do not constitute personal investment advice, solicitation, or an offer to buy or sell any securities.
- I, or any person related to me, might be holding positions in the stocks recommended. Research reports disclose financial interests as required by SEBI (Research Analysts) Regulations, 2014.
- No assured, guaranteed, or fixed returns are offered under any circumstances. Investors are requested to take into consideration all risk factors including their financial condition before investing.
- Research recommendations are provided exclusively to entitled clients. Any client, third party, or anyone else has no right to forward or share calls, SMS, reports, or any information provided without authorization. Serious legal action can be taken if found otherwise.
- Everything posted on social media (Telegram/WhatsApp/YouTube) is for education/illustration purposes only and should not be counted as investment recommendations or advice.
- By visiting this website, as a visitor and/or subscriber, surfing and reading of information constitutes acceptance of this disclaimer and all other terms and conditions.
- Karmur Dilip Merubhai considers itself subject to the jurisdiction only of the courts of Haryana, India. This website and its services are not intended to constitute legal liabilities under any laws of any jurisdiction other than India.
Refund Policy
No Refund & Cancellation Policy: Trade With Dilip does not provide any assurance, guarantee, or commitment of profits or returns. All subscriptions and services are offered on a non-refundable basis. By subscribing to any service and making payment, you acknowledge and agree to the terms of this policy.
- Trade With Dilip is committed to providing high-quality research and support services. However, stock market investments are subject to market risks, and no recommendation or service can guarantee profits or successful outcomes.
- All subscription fees paid for research services are final. Once a subscription is activated, no refund, cancellation, transfer, or adjustment request shall be entertained under any circumstances.
- By purchasing any subscription or service, the client expressly agrees to the No Refund and No Cancellation Policy and accepts full responsibility for their investment decisions.
- Upon successful activation of a service, clients will begin receiving research recommendations and related communications as applicable under their subscribed plan.
- If a client is dissatisfied with any aspect of the service, they may contact our support team for assistance or clarification. We will make reasonable efforts to address concerns and improve client satisfaction; however, such concerns shall not constitute grounds for cancellation or refund.
- In the rare event that a subscribed service cannot be activated due to technical issues solely attributable to Trade With Dilip, or if Trade With Dilip decides not to provide service to a specific client, the amount paid may be refunded at the sole discretion of the company.
- Non-receipt of SMS, WhatsApp messages, emails, or notifications due to DND registration, telecom restrictions, incorrect contact information, device settings, internet connectivity issues, or any client-side limitation shall not qualify for a refund. Delivery records maintained by our service providers shall be treated as valid proof of service delivery.
- Clients are advised to ensure that their mobile number and email address are active, accessible, and capable of receiving communications before subscribing to any service.
- Before making payment, clients are strongly encouraged to review all information available on the website, including service descriptions, disclosures, terms and conditions, privacy policy, FAQs, and other relevant documents.
- Trade With Dilip takes the security of client transactions seriously. Clients should not permit unauthorized persons, including family members, friends, or third parties, to use their payment methods or subscribe to services on their behalf.
- By making payment for any subscription or service, you confirm that you have read, understood, and agreed to this No Refund & Cancellation Policy and all other applicable terms available on this website.
Fee Back Policy
Fee Back Assurance Policy: Trade With Dilip offers a Fee Back Assurance benefit to eligible subscribers as a gesture of transparency and client satisfaction. Please read the terms and conditions carefully before subscribing to any service.
- The One-Month Subscription Plan includes a 10-Day Fee Back Assurance on the subscription fee.
- The Six-Month Subscription Plan includes a 25-Day Fee Back Assurance on the subscription fee.
- The One-Year Subscription Plan includes a 45-Day Fee Back Assurance on the subscription fee.
- If a subscriber believes that the service does not meet their expectations, they may request a fee back within the applicable assurance period of the subscribed plan.
- For example, if a client subscribes to the One-Month Plan on 1st January, a fee back request may be submitted up to 10th January under the 10-Day Fee Back Assurance benefit.
- Any fee back request submitted after the applicable assurance period has expired shall not be considered eligible under this policy.
- The Fee Back Assurance is a one-time goodwill benefit offered to subscribers and may be availed only once.
- Once a subscriber has successfully claimed the Fee Back Assurance, they shall not be eligible to claim the same benefit again on any future subscription, renewal, upgrade, or service plan.
- Trade With Dilip reserves the right to verify subscription details and determine eligibility before processing any fee back request.
- By subscribing to any service, the client acknowledges that they have read, understood, and agreed to the terms of this Fee Back Assurance Policy.
Disclosures — Conflict of Interest & Risk
About the Research Analyst
Name: Karmur Dilip Merubhai
SEBI Reg. No.: INH000028103 (Individual)
Registration Date: April 10, 2026
Validity: Apr 10, 2026 – Apr 09, 2031
Email: dilipkrmr@gmail.com
Address: Radheshyam Nagar, Bhanvad, Taluka- Bhanvad, District Jamnagar, GUJARAT, 360510
Conflict of Interest Policy
In accordance with SEBI (Research Analysts) Regulations, 2014:
- Karmur Dilip Merubhai or its associates do not hold any financial interest in any subject company.
- Do not have any actual/beneficial ownership of more than 1% in any recommended company.
- No other material conflict of interest exists.
- Not affiliated with any other intermediaries; no brokerage or commission received from any third party.
- Has not received any compensation from covered companies during the past twelve months.
- Has not served as an officer, director, or employee of any subject company and has not engaged in market making activity.
Risk Disclosures & Business Activity
- Karmur Dilip Merubhai provides recommendations based on both fundamental and technical analysis to clients via Telegram/WhatsApp.
- There are no outstanding litigations or disciplinary history against Karmur Dilip Merubhai.
- Investment in securities market are subject to market risks. Past performance is not indicative of future results.
- No assured, guaranteed, or fixed returns are offered under any circumstances.
- Recommendations are for informational purposes only and do not constitute personal investment advice.
- Investors should exercise independent judgment and consult their own financial advisers before acting on any recommendation.
Compliance Audit Report
Annual Compliance Audit
An annual compliance audit is conducted in terms of Regulation 25(3) of SEBI (Research Analysts) Regulations, 2014 by a member of the Institute of Chartered Accountants of India (ICAI) or the Institute of Company Secretaries of India (ICSI). The audit report is submitted to RAASB/SEBI within the prescribed timelines.
Audit History
| Financial Year | Audit Conducted By | Status | Submitted To |
|---|---|---|---|
| 2025–26 | ICAI / ICSI Member | Compliant | RAASB/SEBI |
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