Disclaimer

General disclaimer

The information, calculators, and tools provided on emi24 (“emi24”, “we”, “us”) are intended for general informational and educational purposes only. Nothing on this website constitutes financial, investment, tax, legal, or professional advice of any kind. Results produced by any calculator on this site are estimates and approximations, not guarantees of actual outcomes.

No financial advice

emi24 is not a registered investment advisor, financial planner, broker, tax advisor, or legal professional under any applicable Indian or international regulation. Use of our calculators and tools does not create any advisor–client relationship between you and emi24. Before making any financial decision — including taking a loan, changing your tax regime, starting a SIP, or restructuring your debt — you should consult a SEBI-registered investment advisor or a qualified chartered accountant.

Calculator accuracy

All calculator results are computed using standard financial formulas (e.g., the RBI reducing-balance method for EMI, current Income Tax Act slabs for FY 2025-26, and GST Council rates). While we strive to keep calculations up to date and accurate, we make no warranty — express or implied — that results are error-free, complete, or applicable to your specific circumstances. Actual EMI figures, tax liabilities, and investment returns will vary depending on your lender, tax jurisdiction, and market conditions.

Investment risk

All investments, including mutual funds and SIPs, are subject to market risk. Past performance does not guarantee future returns. The SIP corpus projections shown on emi24 assume a constant annual return rate provided by the user and do not account for market volatility, fund expense ratios, exit loads, or taxation on redemption. Always read the Scheme Information Document (SID) of any mutual fund before investing.

Tax and legal disclaimer

Income tax calculations on emi24 are based on publicly available Central Government tax slabs and rates as of FY 2025-26. Individual tax liability may differ based on exemptions, deductions, surcharges, cess, and other factors specific to your income profile. emi24 does not file tax returns, does not provide Form 16 analysis, and is not affiliated with the Income Tax Department of India or any government body.

Third-party links and advertisements

This website may display third-party advertisements served by Google AdSense and may contain links to external websites. emi24 does not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party website or advertisement. Clicking on advertisements or external links is at your own discretion and risk.

Data and privacy

For information about how we collect, store, and protect your personal and financial data, please refer to our Privacy Policy. All user financial data stored on our servers is encrypted using AES-256. We do not sell or share your personal data with third parties except as described in our Privacy Policy.

Changes to this disclaimer

We may update this disclaimer from time to time to reflect changes in law, our services, or our practices. The “Last updated” date at the top of this page indicates when it was last revised. Continued use of emi24 after any changes constitutes acceptance of the updated disclaimer.

Contact

If you have any questions about this disclaimer, please contact us.