Important legal and professional disclaimers for our financial calculators
General Disclaimer
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.
Income Tax Calculator Disclaimer
Version Control Information:
Calculator Version: 2.1 | Last Updated: November 5, 2025
Tax Data Source: Finance Act 2025 & Income Tax Act 1961
Compliance Verified: ✓ FY 2025-26 Provisions Current
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 November 5, 2025.
This is not professional tax advice. The results generated by this
calculator are indicative estimates only and should not be construed as tax planning advice, legal
opinion, professional consultation, or a substitute for professional tax return preparation.
Tax implications may vary significantly based on individual circumstances, specific facts,
judicial interpretations, recent amendments, and changes in tax laws that may occur after the
last update date.
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.
FD/RD Calculator Disclaimer
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.
EMI Calculator Disclaimer
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.
SIP Calculator Disclaimer
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.
SWP Calculator Disclaimer
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.
PPF Calculator Disclaimer
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.
NPS Calculator Disclaimer
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.
Last Updated: November 2025
For any questions regarding these disclaimers, please contact us.