Financial Disclaimer
Important Statutory & Regulatory Notice
The projections generated by SIPCalculatorFree.com are hypothetical mathematical illustrations based on compound interest formulas for educational purposes. They do not represent guaranteed returns or contractual commitments.
AMFI Statutory Risk Disclosure
Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance of any mutual fund scheme is not a reliable indicator or guarantee of future returns.
1. Non-Advisory Nature under SEBI Regulations
SIPCalculatorFree.com and its operators are NOT registered as Investment Advisers (RIA) or Research Analysts under the Securities and Exchange Board of India (SEBI) (Investment Advisers) Regulations, 2013. The tools and information provided do not constitute personal financial, investment, legal, or taxation advice. Users must evaluate schemes based on their own financial goals, risk appetite, and time horizon, or consult a SEBI-registered financial planner before investing.
2. Compliance with Future Government Rules & Tax Legislation
Direct tax laws, capital gains tax rates (LTCG / STCG under Sections 112A and 111A of the Income Tax Act, 1961), tax-saving deductions (such as Section 80C under the Old Tax Regime), surcharge, and cess are determined by the Government of India and the Central Board of Direct Taxes (CBDT). These provisions are subject to legislative change, notification, or amendment through annual Finance Acts (Union Budget) from time to time.
SIPCalculatorFree.com makes no warranties regarding the post-tax maturity value of investments or the ongoing eligibility of specific schemes under future tax regimes (including the default New Tax Regime vs. Old Tax Regime). Any change in government regulations automatically supersedes any illustrative figures displayed on this website.
3. Accuracy & Market Volatility Limitations
While rigorous mathematical formulas are utilized, real-world mutual fund returns fluctuate with capital market dynamics, Total Expense Ratios (TER), portfolio turnover, exit loads, tracking errors, and economic conditions. Pre-set return percentages (e.g. 12% or 15%) are purely illustrative benchmarks and should not be construed as targeted or guaranteed outcomes.
4. Data Privacy & DPDP Act, 2023 Adherence
All financial calculations execute strictly inside your local web browser. No personal financial values, salary amounts, investment amounts, or identity records are transmitted to or stored on our servers, ensuring complete client privacy in compliance with India's Digital Personal Data Protection Act, 2023.