Disclaimer
Disclaimer
Tools, not advice.
PaisaMath publishes educational calculators and reference data for Indian investors and borrowers. This page lays out what our calculators do, what they don't, where the data comes from, and what to do when you need personalised guidance.
The short version
Nothing on PaisaMath is financial advice.
PaisaMath is an educational and reference tool. Calculator outputs are illustrative projections based on the inputs you provide. They are not recommendations to invest, borrow, prepay, or transact in any specific product or with any specific institution. For personalised advice that accounts for your full financial picture, consult a SEBI-registered investment adviser (for investments) or a qualified mutual fund distributor / loan adviser at your bank (for product-specific guidance).
What our calculators do
Calculator limitations.
What's modelled, what's assumed, and what's deliberately left out.
Market-linked projections are assumptions, not forecasts
SIP, lumpsum, step-up SIP, and goal-based investment calculators ask you for an expected return rate and apply it as a constant over the full duration. Real mutual fund returns vary year to year – sometimes meaningfully – and historic returns are not a guarantee of future returns. Use these projections to compare scenarios, not to predict a specific corpus.
Inflation, tax, and product charges are partly modelled
Inflation-adjusted SIP and goal-inflation calculators include an inflation assumption you supply. Tax post-output is shown where applicable (FD interest, mutual fund LTCG / STCG) but the exact tax treatment depends on your slab, holding period, and the fund's underlying asset mix. Mutual fund expense ratios, exit loads, and STT are not modelled.
Loan EMI math is exact for the inputs you provide
Home loan, car loan, mortgage, and personal loan EMI calculators compute the standard reducing-balance EMI exactly. But actual EMI on a floating-rate loan moves with the RBI repo (and your bank's spread); processing fees, GST on fees, and stamp duty on the mortgage are not modelled; and bank-specific charges (legal, valuation, MOD registration) vary lender by lender. The on-road price calculator covers ex-showroom + RTO + insurance + handling + TCS, but dealer-specific accessories and "luxury bundles" are not standardised across India.
FD math follows the Indian regulatory standard
FD calculators compound at quarterly frequency (the RBI standard for cumulative deposits) and at monthly payout frequency for the monthly-interest mode. Senior-citizen premium, DICGC ₹5 lakh cap, and TDS thresholds are flagged in the relevant guides. Tax-saver FD (5-year lock-in under Section 80C), corporate FD (no DICGC), and NRE / NRO FD have specific rules that override the generic FD calculator – refer to the corresponding guide.
What our data does
Data accuracy and freshness.
Every data page shows when it was last verified. Banks change rates without notice; statutory rules change with each Budget. Always reconfirm with the official source before acting.
Bank-rate pages are point-in-time
Best FD rates, highest FD rates, home loan rates, car loan rates, and LAP rates are verified against each bank's own deposits or loan page on the date shown below each guide. Banks change rates without notice; promotional buckets and senior-citizen premiums shift across the year. Always reconfirm the rate on the bank's own page before opening a deposit or signing a sanction letter.
Bank holidays follow RBI notifications
State-wise bank holiday lists are compiled from the RBI Holiday Matrix and state-government notifications under the Negotiable Instruments Act, 1881. Moon-sighting-dependent holidays (Eid-Ul-Fitr, Eid-Ul-Adha, Eid-i-Milad) can shift by ±1 day across states; election days and ad-hoc holidays added by state governments mid-year are picked up on the next refresh. For transaction-critical decisions, confirm with your bank branch.
Stock market holidays follow exchange circulars
NSE, BSE, and MCX trading-holiday lists are verified against the exchange's own official circular. Muhurat trading session timings are tentative until the exchange publishes the final circular (typically ~2 weeks before Diwali); the values shown match the prior year's convention.
Policy guides reflect the current rules
RBI directions (Pre-payment Charges, 2025), Income Tax Act provisions (Section 80C, 24(b), 194A, LTCG / STCG rates), PMAY-Urban income bands, and the EBLR / RLLR loan-pricing framework reflect what is in force as of the date stamped on each guide. Subsequent rule changes will be reflected in the next refresh; for the very latest position, check the relevant government source.
When you need advice
Who to actually ask.
For personalised investment advice – what to buy, how much to allocate, when to rebalance – consult a SEBI-registered investment adviser (RIA). The SEBI Intermediaries portal lists registered advisers; their compliance audit and fiduciary obligations are real, paid services worth the cost when your portfolio gets material.
For mutual fund product selection, an AMFI-registered mutual fund distributor (MFD) can help with scheme choice and onboarding. They are compensated by the AMC, so be aware of the incentive alignment.
For tax planning, especially across capital gains, NRI status, or business income, consult a Chartered Accountant. Calculators on PaisaMath assume general resident-individual treatment unless a guide explicitly says otherwise.
For loan sanction terms, the binding numbers are in the sanction letter your bank issues. Use PaisaMath calculators to compare scenarios and challenge offers; use the sanction letter as the source of truth for what you'll actually pay.
Legal
Limitation of liability
PaisaMath is provided on an "as is" basis. While we work to keep calculator math correct and reference data verified, we make no warranty – express or implied – that the site is error-free, current at the moment you read it, or suitable for any specific transaction. PaisaMath, its operators, contributors, and editorial team shall not be liable for any loss arising from reliance on the calculators, data, or guides published here. You are solely responsible for decisions you make based on information on this site, and you agree to verify any material claim with the relevant official source before acting.
Updates to this disclaimer
This disclaimer may be updated to reflect new calculators, new data sources, or regulatory changes. Material updates will be reflected in the page content; the canonical URL stays at /disclaimer.
Corrections and contact
Spotted an error in a calculation, a stale rate, or a policy that's changed? Email knowyourbrokerage@gmail.com with the page URL, the specific issue, and a link to the authoritative source. Corrections on rate and policy pages are typically shipped within 48 hours.