Disclaimer

Last updated: May 9, 2026

Please read this disclaimer carefully before using moneyora.in and its financial calculators.

1. For informational purposes only

All calculators, tools, articles, and content published on moneyora.in are provided for informational and educational purposes only. They do not constitute financial advice, investment advice, tax advice, legal advice, or any other professional advice.

MoneyOra is not a SEBI-registered investment advisor, a registered financial planner, a chartered accountant, or a licensed financial services provider. Nothing on this website should be construed as a recommendation to buy, sell, or hold any financial product, security, or investment.

2. Calculator results are estimates

The financial calculators on moneyora.in produce estimates based on:

  • The numbers you enter as inputs
  • Assumed constant rates (interest rates, return rates) over the calculation period
  • Standard mathematical formulas used in financial planning

Real-world financial outcomes differ from calculator estimates for many reasons:

  • Market returns are not constant — mutual fund and equity returns fluctuate year to year
  • Interest rates on EPF, PPF, and post office schemes change periodically
  • Bank loan interest rates and EMIs may change if you have a floating rate loan
  • Inflation affects purchasing power in ways our calculators may not fully capture
  • Tax laws change annually in the Union Budget

Do not make significant financial decisions based solely on MoneyOra calculator outputs. Always verify key figures with your bank, financial institution, employer, or a qualified financial professional before acting.

3. No guarantee of accuracy

While we make every effort to ensure our calculators use correct formulas and up-to-date rate information, we cannot guarantee that all information on moneyora.in is complete, accurate, or current at all times. Rates (EPF interest rate, PPF rate, RBI repo rate, etc.) are updated periodically and may not reflect the very latest figures.

MoneyOra accepts no liability for any financial loss, damage, or inconvenience caused directly or indirectly by reliance on information or calculator results from this website.

4. External links

Our articles link to external sources including government websites (RBI, EPFO, SEBI, Income Tax India), financial news portals, and Wikipedia. These links are provided for reference. MoneyOra does not control the content of external websites and is not responsible for their accuracy, availability, or privacy practices.

5. Investment risk

Investments in mutual funds, stocks, derivatives, and other market-linked instruments are subject to market risk. Past performance is not indicative of future results. The value of investments can go down as well as up. You may receive less than you invested.

Calculators for SIP, SWP, lumpsum, and CAGR use assumed return rates. Actual mutual fund returns depend on scheme performance, market conditions, fund manager decisions, and economic factors outside your control.

6. Seek professional advice

Before making any significant financial decision — investing a large sum, taking a home loan, planning retirement, or setting up trading positions — please consult one or more of the following:

  • A SEBI-registered investment advisor (RIA) for investment decisions
  • A certified financial planner (CFP) for comprehensive financial planning
  • A chartered accountant (CA) for tax planning and compliance
  • Your bank or NBFC for loan-related queries

7. Contact

If you have questions about this disclaimer or find information on moneyora.in that appears to be inaccurate, please contact us at contact@moneyora.in.