Last Updated: July 1, 2026
This Financial Services Guide (FSG) is provided by Indus AU PTY Limited (ABN 78 682 656 873) (Indus), an authorised representative (Authorised Representative No. 1321338) of Sanlam Private Wealth Pty Ltd, ACN 136 960 775 (Australian Financial Services Licence No. 337927).
In this FSG, “we,” “our,” and “us” refer to Indus.
This FSG explains:
Who we are and how to contact us.
The financial services we are authorised to provide and the financial products they relate to.
What our services cost.
Any remuneration, commissions, or other benefits that we or relevant persons may receive in connection with our services.
Any associations or relationships that could influence your decision to use our services.
How we collect and use your personal information.
Our complaints procedures (internal and external) and how to access them.
It is intended to help you decide whether to use the financial services we offer. Indus provides financial services to retail clients, including individual investors and eligible self-managed superannuation funds (SMSFs).
You can access this FSG online at www.investindus.com/au or by contacting us. If you have any questions about this FSG, please contact us at: www.investindus.com/au/contact
You can also contact us via the “User Help & Troubleshooting” section on the Indus app.
The financial services described in this FSG are provided by Indus AU Pty Limited and/or its representatives. Indus AU is an Authorised Representative of Sanlam Private Wealth Pty Ltd (ACN 136 960 775, AFSL 337927) and is authorised under the Corporations Act 2001 (Cth) to provide certain financial services to you.
Indus AU is ultimately owned by Indus Limited (NZ), a New Zealand–based parent that holds companies in New Zealand and Australia offering financial products and services.
As an Authorised Representative of Sanlam Private Wealth Pty Ltd, Indus is authorised to provide the following financial services to retail and wholesale clients:
General financial product advice in relation to:
deposit and payment products, including basic deposit products and deposit products other than basic deposit products;
government debentures, stocks and bonds;
interests in managed investment schemes, including through investor directed portfolio services (IDPS);
securities; and
foreign exchange contracts.
Dealing in financial products by issuing, applying for, acquiring, varying or disposing of financial products in relation to:
interests in managed investment schemes, including through IDPS;
deposit and payment products, including basic deposit products and deposit products other than basic deposit products;
securities; and
foreign exchange contracts.
Dealing in financial products on behalf of another person by applying for, acquiring, varying or disposing of financial products in relation to:
deposit and payment products, including basic deposit products and deposit products other than basic deposit products;
interests in managed investment schemes, including through IDPS;
securities; and
foreign exchange contracts.
You can access our services and submit trade instructions through the Indus mobile app or web app. Acceptance of instructions is subject to the applicable terms and conditions. We do not accept trade instructions by email, phone, fax, or post.
Where an SMSF invests through Indus, Indus deals with the trustees, directors of a corporate trustee and authorised representatives acting on behalf of the SMSF.
At times, we may provide factual information about particular financial products, market news or research. Factual information does not constitute financial product advice. We may also provide general financial product advice. Any general advice we provide does not take into account your individual objectives, financial situation or needs. We do not provide personal financial advice.
Where you invest through an SMSF, Indus does not assess whether an investment is suitable for the SMSF, its trustees, directors, members or investment strategy. You should decide for yourself whether to use our services.
If you need help making that decision, please consult a suitably qualified financial advice professional.
At Indus, we aim to keep our fees simple, transparent, and highly competitive. There are no transaction fees when purchasing or selling mutual funds through our app. We apply a foreign exchange margin of up to 1% when converting funds between AUD and INR. The margin is incorporated into the exchange rate applied to the conversion.
You may also request our fee information by contacting us.
We are remunerated through the fees we charge, as set out in “How we are paid for our services” section of this FSG.
Indus only offers regular plan mutual funds and does not offer direct plan mutual funds. Indus may receive ongoing distribution or trail commissions from the relevant mutual fund manager based on amounts invested through Indus. These commissions form part of Indus’ revenue and are paid by the relevant mutual fund manager rather than being separately deducted from your Indus account.
We may also receive other remuneration from third parties, including Australian banks, such as interest on cash accounts. We may also receive remuneration for services we provide to third parties.
Our employees and directors are paid salaries that may include superannuation, share options, and other financial and non-financial benefits such as event attendance, development opportunities, and promotional merchandise. Any remuneration takes into account conduct and outcomes related to productivity, risk, people, and customer results.
We may engage third parties to deliver services to you. Where this occurs, we pay them under the relevant contract, which may include a service fee. If you were referred to us, we may pay commissions, provide service credits, or offer services in kind to your referrer.
Client funds are transmitted and applied toward the purchase of mutual fund units in India through third-party custodial arrangements (including DBS in India). Although assets may be held through omnibus or custodial arrangements, each client's entitlement is separately recorded and attributed. No common investment fund is formed and Indus does not operate a managed investment scheme.
Any holding of client money or investments by Indus is incidental to the financial services it provides and does not constitute a standalone custodial service.
For operational efficiency, orders may be aggregated and transmitted in batch form. Each client’s contribution and resulting units are recorded separately, and no common fund is formed.
At external registries, such as bank accounts and mutual fund unit registers, your holdings are typically not recorded in your personal name because the assets are held in our name or in the name of a supporting third party. We maintain an internal register of the money and investments you hold with us and reconcile this to custodian and registry records.
Customers do not acquire an interest in an app or facility. Investments are directed into underlying financial products, with Indus facilitating execution and administration.
Your privacy matters to us. To provide our services, we may need to collect your personal information, including when you communicate with our Investor Care team and with our third-party providers. If you do not provide certain information, we may be unable to deliver our products and services or respond to your enquiry.
When we collect personal information, we do so in accordance with the Australian Privacy Principles under the Privacy Act 1988 (Cth).
For more details, please see our Privacy Policy at www.indus.au
We hold Professional Indemnity Insurance in accordance with the compensation requirements in section 912B of the Corporations Act 2001 (Cth).
We value your feedback and appreciate you telling us when you have a complaint.
1. Contact Indus
You can contact us through the "Contact Us" button in the Indus app, or via one of the channels below:
Email: support@indus.au
Phone: 1800 680 099
We will acknowledge your complaint when we receive it and will work to resolve your concerns as quickly and fairly as possible under our internal dispute resolution processes. While we aim to resolve matters promptly, we will provide a final response within 30 days. You can read more about our IDR process on our website.
2. Contact our Compliance Manager
As we operate in the financial services industry, you can also contact the Compliance Manager at Sanlam Private Wealth Pty Ltd on:
Phone: (03) 8640 5508
3. Escalate to AFCA
If you are not satisfied with the outcome or how we handled your complaint, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA), quoting Sanlam's Member Number 14570. AFCA is our external dispute resolution scheme and provides an independent and free service for eligible financial complaints.
AFCA can be contacted as follows:
Online: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (toll-free)
Post: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001