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Legal & Financial Disclaimer

Last Updated: September 2026 • Compliance with SEBI / RBI Informational Guidelines

Important Notice:

EMICalcPro is an independent, free computational and educational portal. We are not a SEBI-registered Investment Adviser (RIA), research analyst, bank, non-banking financial company (NBFC), or authorized tax representative.

1. Nature of Calculators & Tools

All calculators, simulations, interactive sliders, schedules, and charts provided on EMICalcPro (including but not limited to EMI, SIP, Old vs New Tax Regime, PPF, SSY, SCSS, and KVP calculators) are designed strictly for general informational and educational purposes. Results produced are mathematical approximations based on user inputs and standard financial formulas.

2. AI-Assisted Development & User Due Diligence Notice

Computational algorithms, user interface modules, explanatory notes, and mathematical projections across EMICalcPro are developed, coded, and maintained with the assistance of advanced Artificial Intelligence (AI) systems.

While extensive computational unit testing, code audits, and ongoing cross-referencing against official statutory circulars (such as RBI Master Directions, CBDT Income Tax rules, EPFO guidelines, and India Post gazettes) are conducted to maintain the highest degree of accuracy, errors, calculation edge cases, formula oversights, or temporal lag in regulatory updates remain possible. Users must exercise their own independent judgment and verify figures before entering into financial agreements. Do not rely solely on automated or AI-assisted outputs for legal or financial commitments.

3. No Financial, Investment, or Legal Advice

The output, comparisons, or metrics displayed do not constitute financial advice, investment recommendations, endorsement, or solicitation to borrow, invest, or purchase any security, loan product, or government instrument. Users should consult a certified financial planner (CFP), chartered accountant (CA), or SEBI-registered financial advisor before making monetary commitments.

4. Accuracy of Interest Rates & Government Regulations

While EMICalcPro makes every reasonable effort to keep interest rates, income tax slabs, and regulatory parameters current (such as quarterly Ministry of Finance small savings rates and Union Budget tax announcements), rates and fiscal rules are subject to change without notice by the Reserve Bank of India (RBI), Ministry of Finance, and Central Board of Direct Taxes (CBDT). Actual loan terms, processing fees, compounding cycles, and taxes applied by commercial banks or postal authorities may differ from our simulations.

5. Mutual Fund & Market Risk Warning

Mutual fund investments, Systematic Investment Plans (SIPs), and Equity Linked Savings Schemes (ELSS) are subject to market risks. Past performance and simulated CAGR return rates (e.g., 12% p.a.) do not guarantee future performance. Read all scheme-related documents carefully before investing.

6. Limitation of Liability

Under no circumstances shall EMICalcPro, its developers, or contributors be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of, reliance on, or inability to use the calculations, figures, or content on this website.

7. Official Regulatory References

For legally binding notifications and verified circulars, please refer to official sovereign sources: