Fact-Checking Policy

Financial content is only useful if it is right. This page describes what we check, how we check it and what we refuse to publish.

Calculator formulas

Every calculator uses standard, published financial mathematics — the reducing-balance EMI formula, future value of an annuity for SIPs, compound-interest growth, CAGR, the XIRR root-finding method and so on. The exact formula is shown on each calculator page and summarised in our Calculator Methodology. The code behind every formula is covered by an automated test suite that compares outputs with independently computed worked examples (for instance, a ₹1,00,000 deposit that becomes ₹1,10,000 after exactly one year must return a 10.00% XIRR). The suite is run before every release, and any formula change must pass it.

Worked examples in text

Numbers quoted in guides and educational sections are recomputed by hand or with the relevant calculator before publication, and are labelled as illustrations with the rate assumed. We round consistently and say so when a figure is approximate.

Statutory and time-sensitive data

Interest rates on government schemes, tax slabs, deduction limits, scheme rules and regulatory requirements change. We do not fabricate or guess them. Where a default is needed (for example the PPF rate used to seed the calculator) it is stored in one configuration file with the date it was last verified against the official notification, labelled on the page as an editable assumption, and re-checked when the government publishes a revision. Guides describe how such rules work conceptually and direct readers to the primary source for the current figure.

Citations and sources

We cite primary and official sources — RBI, SEBI, AMFI, the Income Tax Department, the Ministry of Finance, the National Savings Institute — and list them at the foot of each guide. We never invent a citation, attribute a claim to a source that does not support it, or quote statistics we cannot trace to their origin.

What we will not publish

• Guaranteed, promised or "expected" returns for any market-linked product.
• Claims that a product is the best option for everyone.
• Fake reviews, testimonials, author credentials or expert quotes.
• Current rates or tax rules presented as fact without a primary source and verification date.

If you find an error

Please tell us — see the Corrections Policy for how to report and how we respond.