Disclaimer & Regulatory Notice

Last updated: October 5, 2026

1. Non-Advisory & Educational Purpose Only

fundsipcalculator.com is an independent digital financial tool and educational publisher. The calculations, simulators, projections, market briefings, comparison tables, and editorial content published on this website are intended solely for general informational and educational purposes.

Nothing on this website constitutes personal financial advice, investment advice, tax advice, legal counsel, or a solicitation, endorsement, or recommendation to buy, sell, or hold any mutual fund scheme, equity stock, exchange-traded fund (ETF), debt instrument, or financial security.

2. SEBI Regulatory Status

fundsipcalculator.com, its developers, authors, and operators are not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser (RIA) under the SEBI (Investment Advisers) Regulations, 2013, nor as a Research Analyst under the SEBI (Research Analysts) Regulations, 2014.

We do not offer personalized portfolio construction, risk profiling, or investment execution. Users requiring individualized investment planning should consult a qualified, SEBI-registered Investment Adviser or Certified Financial Planner (CFP).

3. Historical NAV Data Sourcing & Third-Party Attributions

Our tools utilize historical Net Asset Value (NAV) data sourced from official public feeds provided by the Association of Mutual Funds in India (AMFI) and stock exchange records (BSE India, NSE India, and U.S. exchange feeds).

• While data is synchronized and processed using automated data fetchers, occasional operational delays, reporting gaps, or transmission discrepancies from primary sources may occur.
• Neither fundsipcalculator.com nor AMFI guarantees the completeness, uninterrupted availability, or real-time accuracy of NAV values.
• Official current NAVs, Total Expense Ratios (TER), and fund portfolio disclosures should always be cross-referenced with the respective Asset Management Company (AMC) official website.

4. Calculation Methodology & Mathematical Assumptions

All calculations on this site—including Systematic Investment Plan (SIP) returns, lumpsum growth, Systematic Withdrawal Plans (SWP), Cost of Delay, and Financial Independence Retire Early (FIRE) projections—run entirely client-side in your browser:

• XIRR (Extended Internal Rate of Return): Compounded annualized returns are computed using exact cash flow dates. However, historical rolling returns do not guarantee identical future compounding rates.
• Taxes & Exit Loads: Calculator outputs reflect gross investment returns unless specifically indicated. Applicable Long-Term Capital Gains (LTCG) tax (12.5% above ₹1.25 lakh per FY under Budget 2024), Short-Term Capital Gains (STCG) tax (20%), Securities Transaction Tax (STT), stamp duty, and scheme-specific exit loads are not deducted automatically from return figures.
• Inflation Assumptions: Projections incorporating inflation use historical averages (typically 6–7% for Indian markets) which may fluctuate during periods of macroeconomic volatility.

5. No Commercial Affiliation or Paid Recommendations

fundsipcalculator.com does not accept sponsorship, referral kickbacks, or distributor commissions (trail fees) from Asset Management Companies (AMCs) to promote specific mutual fund schemes. All head-to-head comparisons, fund analyses, and data tables are generated objectively based on historical metrics and public factsheet data.

6. Limitation of Liability

To the fullest extent permitted by applicable law, fundsipcalculator.com, its contributors, and operators disclaim any and all liability for direct, indirect, incidental, consequential, or punitive damages arising from the use of, or inability to use, the calculators, data, or content on this website. All financial decisions are made at the sole discretion and risk of the user.

7. Contact for Questions

If you have questions regarding this disclaimer, data sourcing methodology, or have spotted a factual discrepancy in fund figures, please contact us via our Contact page or email [email protected].