Calculator Disclaimers

Important Notice: All calculators provided by N. Betharia & Associates, Chartered Accountants (FRN: 117991W), are for general informational purposes only. The results generated are indicative and should not be construed as professional financial advice, tax planning, legal opinion, or investment consultation. Please consult qualified professionals for personalized advice.

Important Disclaimer: This Income Tax Calculator is provided by N. Betharia & Associates, Chartered Accountants (FRN: 117991W), for general informational purposes only. The calculations are based on the tax laws and rates applicable as per the Income-tax Act, 1961, and rules framed thereunder, as amended up to the date of this calculator.

This is not professional tax advice. The results generated by this calculator are indicative and should not be construed as tax planning advice, legal opinion, or professional consultation. Tax implications may vary based on individual circumstances, specific facts, judicial interpretations, and changes in tax laws.

Accuracy of Input Data: The accuracy of the results depends entirely on the accuracy and completeness of the information provided by the user. We do not verify or validate the input data provided by users.

No Guarantee: While we strive for accuracy, we do not guarantee the completeness, accuracy, or reliability of the calculator results. The calculator does not consider all possible tax scenarios, exemptions, deductions, or special circumstances that may apply to your specific situation.

Professional Consultation Recommended: For accurate tax calculations, tax planning, compliance, and advice specific to your circumstances, please consult a qualified Chartered Accountant or tax professional. We strongly recommend seeking personalized professional advice before making any tax-related decisions.

Regulatory Compliance: This calculator is not a substitute for professional tax return preparation or compliance with the provisions of the Income-tax Act, 1961, or any other applicable laws.

Liability Limitation: N. Betharia & Associates, its partners, and associates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of this calculator.

Data Privacy: Any data entered in this calculator is processed locally in your browser and is not stored or transmitted to our servers. However, we recommend not entering sensitive personal financial information.

Important Disclaimer: This FD/RD Calculator is provided by N. Betharia & Associates, Chartered Accountants (FRN: 117991W), for general informational purposes only. The calculations are based on standard banking and financial principles applicable in India.

This is not financial advice. The results generated by this calculator are indicative and should not be construed as investment advice, financial planning advice, or professional consultation. Interest rates, terms, and conditions may vary across different banks and financial institutions.

Accuracy of Input Data: The accuracy of the results depends entirely on the accuracy and completeness of the information provided by the user. We do not verify or validate the input data provided by users.

No Guarantee: While we strive for accuracy, we do not guarantee the completeness, accuracy, or reliability of the calculator results. Actual returns may differ based on prevailing interest rates, compounding frequency, and specific terms offered by financial institutions.

Market Conditions: Interest rates and financial products are subject to change without notice. The calculator does not account for changes in interest rates, premature withdrawals, penalties, or special schemes that may be offered by banks.

Tax Implications: This calculator does not consider tax implications under the Income-tax Act, 1961. Interest earned on FDs/RDs may be taxable based on applicable tax slabs and provisions.

Professional Consultation Recommended: For personalized investment advice, comparison of financial products, and understanding of terms and conditions, please consult a qualified financial advisor, Chartered Accountant, or the respective financial institution.

Liability Limitation: N. Betharia & Associates, its partners, and associates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of this calculator.

Data Privacy: Any data entered in this calculator is processed locally in your browser and is not stored or transmitted to our servers.

Important Disclaimer: This EMI Calculator is provided by N. Betharia & Associates, Chartered Accountants (FRN: 117991W), for general informational purposes only. The calculations are based on standard lending and interest calculation principles applicable in India.

This is not financial advice. The results generated by this calculator are indicative and should not be construed as loan advice, financial planning advice, or professional consultation. Interest rates, processing fees, and terms may vary across different banks and financial institutions.

Accuracy of Input Data: The accuracy of the results depends entirely on the accuracy and completeness of the information provided by the user. We do not verify or validate the input data provided by users.

No Guarantee: While we strive for accuracy, we do not guarantee the completeness, accuracy, or reliability of the calculator results. Actual EMI amounts may differ based on prevailing interest rates, additional charges, and specific terms offered by lenders.

Market Conditions: Interest rates and lending terms are subject to change without notice. The calculator does not account for changes in interest rates, prepayment charges, foreclosure charges, or special schemes that may be offered by lenders.

Tax Implications: This calculator does not consider tax implications under the Income-tax Act, 1961. Interest paid on loans may be eligible for tax deductions subject to applicable provisions and limits.

Professional Consultation Recommended: For loan comparison, understanding of terms and conditions, and personalized financial advice, please consult a qualified financial advisor, Chartered Accountant, or the respective lending institution.

Liability Limitation: N. Betharia & Associates, its partners, and associates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of this calculator.

Data Privacy: Any data entered in this calculator is processed locally in your browser and is not stored or transmitted to our servers.

Important Disclaimer: This SIP Calculator is provided by N. Betharia & Associates, Chartered Accountants (FRN: 117991W), for general informational purposes only. The calculations are based on standard investment and compounding principles applicable in India.

This is not investment advice. The results generated by this calculator are indicative and should not be construed as investment advice, financial planning advice, or professional consultation. Investment returns are market-linked and not guaranteed.

Accuracy of Input Data: The accuracy of the results depends entirely on the accuracy and completeness of the information provided by the user. We do not verify or validate the input data provided by users.

No Guarantee: While we strive for accuracy, we do not guarantee the completeness, accuracy, or reliability of the calculator results. Actual returns may differ significantly based on market conditions, fund performance, and economic factors.

Market Risks: Mutual fund investments are subject to market risks. Past performance does not guarantee future returns. The calculator uses assumed rates of return which may not reflect actual market performance.

Tax Implications: This calculator does not consider tax implications under the Income-tax Act, 1961. Capital gains, dividends, and other tax implications may apply based on investment type, holding period, and applicable tax slabs.

Professional Consultation Recommended: For personalized investment advice, risk assessment, portfolio planning, and understanding of mutual fund schemes, please consult a qualified financial advisor, Chartered Accountant, or SEBI registered investment advisor.

Liability Limitation: N. Betharia & Associates, its partners, and associates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of this calculator.

Data Privacy: Any data entered in this calculator is processed locally in your browser and is not stored or transmitted to our servers.

Disclaimer: These calculators provide indicative results for illustration purposes only. The results are approximations and should not be considered as financial advice. Investment returns are not guaranteed and may vary based on market conditions. Please consult a qualified financial advisor for personalized advice.

Disclaimer: These calculators provide indicative results for illustration purposes only. PPF interest rates are determined by the Government of India and may change. Please check current rates and terms with your bank or post office.

Disclaimer: These calculators provide indicative results for illustration purposes only. NPS returns are market-linked and not guaranteed. Annuity rates and terms may vary at the time of retirement. Please consult a financial advisor for personalized advice.