Your relationship manager at Arham Wealth was responsive at first. Calls were answered. Questions were addressed. Trading felt guided.
Then something shifted. Trades appeared that you never placed. Charges showed up without explanation. And when you tried to raise a concern, the support that once felt reliable went completely quiet.
You started wondering: Is this just me? Or is this a pattern?
When You Can File a Complaint Against Arham Wealth?
Read through these carefully. Be honest about what happened in your account.
1. Trades Appeared That You Never Placed or Approved
Every trade in your account must carry documented, verifiable proof of your instruction. If trades appeared, especially after your RM left or changed, and you cannot connect them to any order you gave, that is a serious red flag requiring immediate action.
2. Your Relationship Manager Left Without a Proper Handover
When an RM exits a firm, the broker is responsible for ensuring continuity of service. If you were left without any communication, without an assigned replacement, and without clarity about who manages your account, that is a service failure with regulatory implications.
3. Charges Appeared That Were Never Explained or Disclosed
Brokers must operate within the brokerage structure they disclosed to you at account opening. Unexplained deductions, charges beyond agreed rates, or fees that appear without a corresponding trade, any of these warrant a formal complaint.
4. You Raised a Complaint and Received No Response for Over 30 Days
SEBI requires brokers to respond to grievances within a defined timeframe. If Arham Wealth Management did not acknowledge or resolve your complaint within 30 days, that non-response itself justifies formal escalation to SEBI SCORES.
5. Your Account Balance Does Not Match Your Expected Position
Discrepancies between your ledger, your contract notes, and your actual fund balance are not formatting errors. They are data integrity issues. Report them immediately and preserve your current statements.
6. Verbal Promises Were Made That Were Never Delivered
If your RM made specific commitments, about services, returns, strategies, or support levels, and those commitments were never put in writing, that creates a difficult but valid concern. The absence of documentation favours the broker in disputes. Document every future commitment the moment it is made.
7. Your Account Activity Continued After Your RM Left, Without Your Instructions
This is specifically alarming. If trades or changes occurred in your account during a period when you had no active RM and had given no fresh instructions, that gap is exactly the kind of governance failure that regulatory proceedings examine closely.
How to File a Formal Complaint Against Arham Wealth Management
This is the process you need to follow. Stay structured. Stay documented. And do not skip steps.
Step 1: Preserve All Evidence Right Now
Before you send a single complaint, download everything. Your complete trade history, contract notes, account ledger statements, and fund transfer records. Screenshot your current portfolio view. Save every WhatsApp message, email, and SMS from any Arham representative.
If you have phone call dates and rough timelines of what was discussed, write those down too.
Evidence preserved today is significantly stronger than evidence gathered after a dispute has already been filed.
Step 2: File a Formal Written Complaint with Arham Wealth Management
Write directly to Arham Wealth Management’s official grievance email. Not a WhatsApp message. Not a phone call. A formal, timestamped email.
State your client ID clearly. Specify the exact trades or charges you are disputing, with dates and amounts. Describe what happened, specifically. State the resolution you expect.
Attach your evidence. Keep the complete thread.
Arham Wealth Management must respond within 30 days. Their response, or their silence, becomes your next step.
Step 3: Escalate to SEBI SCORES
If their response is unsatisfactory or absent, file on SEBI’s SCORES portal immediately. Go to SEBI SCORE’s official website, select “Stock Broker,” choose Arham Wealth Management, and upload everything, your complaint to them, their response, and all supporting documents.
Once on SCORES, your complaint becomes an official regulatory record. The broker must respond formally. Unresolved SCORES complaints invite direct SEBI scrutiny.
This is the step that transforms your complaint from an ignored email into a regulatory matter.
Step 4: Move to SMART ODR
If SCORES does not produce resolution, escalate to SEBI’s SMART ODR platform. A neutral expert reviews your case digitally. The process is structured and time-bound. Most disputes receive attention within 30 days.
You do not need legal representation at this stage. You need well-organised, clearly presented evidence.
Step 5: File for Arbitration
For significant losses, formal arbitration through NSE or BSE delivers a legally binding decision. Every document you preserved, trade logs, account statements, complaint records, becomes critical here.
Arbitration is designed to be accessible to retail investors. It produces enforceable outcomes.
Is Getting Your Money Back from Arham Wealth Management Possible?
Yes. Recovery is possible. However, your documentation and your speed determine how far that possibility goes.
The investors who have successfully challenged brokers through SEBI SCORES and arbitration share one common thread: they preserved their evidence early and escalated through the right channels in the right sequence.
What actually changes when you work with us:
We review your account history, trade records, and complaint correspondence and tell you honestly whether what happened constitutes misconduct and what recovery is realistic. No upfront cost, no commitment.
If you have a case, we draft the complaint with the right regulatory references — the way SEBI and exchange arbitrators expect to see it — and file through SCORES, SMART ODR, and arbitration if it reaches that stage. Every step handled.
Ravi spent months sending messages into silence. What changed was moving from informal follow-ups to a formally structured complaint built on documented evidence.
Frequently Asked Questions
1. My Arham Wealth RM left the company and now trades are appearing in my account. Who is responsible?
Arham Wealth Management is responsible. When an RM exits, the broker must ensure continuity of service and account supervision. Any trade executed in your account without your documented instruction, regardless of who placed it, is the broker’s compliance responsibility. Raise a formal complaint immediately and preserve your current account records.
2. I have no written evidence. My RM only spoke to me on calls. Can I still file a complaint?
Yes. While written evidence strengthens your case, the absence of it is not fatal. Your contract notes and account statements show what trades were executed and when. A pattern of trades in your account that you cannot connect to any instruction you gave, especially during a period when you had no active RM, itself tells a story. File your complaint and let the documentation you do have do the work.
3. Arham Wealth Management has not responded to my grievance email for over a month. What is my next step?
Escalate to SEBI SCORES immediately. Their non-response becomes part of your complaint. Upload your original email and document the date it was sent. SEBI requires registered brokers to respond to formal grievances within 30 days. Ignoring a complaint is itself a regulatory failure that SCORES treats seriously.
4. The charges on my Arham ledger are higher than what was explained at account opening. Can I challenge that?
Yes. Brokers must charge fees that match the brokerage structure disclosed in your broker-client agreement. If the charges on your ledger differ from what was agreed, request a written, itemised explanation from Arham Wealth Management. If the explanation is absent or unsatisfactory, file a formal complaint through SEBI SCORES with your account statements and original agreement attached.
