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Disclaimer

Limitations on calculator results and financial content

Last Updated: January 2025.

All calculator results on MyEMIGuru are indicative estimates for informational purposes only. They do not constitute financial advice, loan offers, or guarantees. Always verify with your lender, financial advisor, or chartered accountant before making any financial decision.

1. Calculator Results

Our EMI, interest, FD, RD, GST, and other calculators use standard mathematical formulas and assumptions. Actual amounts charged by your lender may differ due to:

  • The lender's specific calculation methodology (day-count convention, rounding rules).
  • Charges not reflected in the calculation — processing fees, insurance, legal fees, stamp duty.
  • GST treatment varying by lender and product.
  • Floating rate changes over the loan tenure.
  • Prepayment, foreclosure, or part-payment adjustments.
  • Moratorium or restructuring arrangements.

2. Financial Content & Education

The financial education articles, guides, and content on MyEMIGuru (including the Learn section) are intended for general educational purposes only. They do not constitute investment advice, legal advice, or regulated financial advice under the Securities and Exchange Board of India (SEBI) or Reserve Bank of India (RBI) frameworks.

Information about interest rates, government schemes, and regulatory frameworks is based on publicly available information at the time of writing and may not reflect the most current rates or rules. Always verify current rates and eligibility directly with the relevant institution or regulator.

3. Loan Quotation Service

MyEMIGuru facilitates loan enquiry submission to our lending partners. We do not: approve loans, guarantee loan terms, determine interest rates, or act as a lender. We earn referral fees from lending partners when you are successfully connected with them. This commercial relationship does not influence the accuracy of our calculators or educational content.

4. No Financial Advice

MyEMIGuru is not a Registered Investment Adviser under SEBI regulations, nor a financial intermediary under RBI regulations. Nothing on this website should be construed as personalised financial, investment, tax, or legal advice. Please consult a SEBI-registered financial advisor or RBI-licensed institution for personalised guidance.

5. Third-Party Data

Where we reference interest rates, credit scores, regulatory limits, or market data from third parties, we endeavour to be accurate but cannot guarantee the currency or completeness of such information. We are not responsible for errors in third-party data.

6. Affiliate Links & Commission Disclosure

This website may contain affiliate links. We may earn a commission when you click or purchase through these links. This is at no additional cost to you.

MyEMIGuru participates in affiliate and referral programmes with banks, NBFCs, and financial product providers. When you click on certain links on our website or submit a loan enquiry, we may receive a referral fee or commission from our lending partners if you are successfully connected with them or take a product.

This commercial relationship does not influence the accuracy, impartiality, or integrity of our calculators, financial education content, or any recommendations made on this platform. Our calculators use standard mathematical formulas and are not influenced by any affiliate arrangement.

We only partner with verified and regulated financial institutions. All affiliate relationships are disclosed transparently in accordance with applicable advertising standards.

7. Contact

For enquiries related to this Disclaimer, contact: support@myemiguru.com

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