Even in an unlikely situation where Appreciate is no longer in operation:
Your mutual fund investments are safe. They are held with the AMCs, not on Appreciate’s books.
You can still access and manage your investments through the respective AMC websites or via the RTA (Registrar and Transfer Agent) platforms like CAMS or KFintech.
Your folio number and PAN are all you need to view or redeem your investments independently of Appreciate.