Disclaimer

Last updated: May 17, 2025

1. General Disclaimer

KarjBazaar provides free online calculators for EMI, home loans, personal loans, car loans, SIP, mortgage, and other financial computations. The results generated by our tools are approximations based solely on the values you enter and standard mathematical formulas.

We are not a bank, NBFC, financial institution, SEBI-registered investment advisor, or RBI-regulated entity. KarjBazaar does not offer loans, accept deposits, or provide any regulated financial products or services.

2. No Financial Advice

Nothing on KarjBazaar should be construed as:

• Financial, investment, tax, or legal advice
• A loan offer, pre-approval, or commitment by any lender
• A guarantee of interest rates, EMI amounts, or loan eligibility
• A recommendation to take or avoid any specific loan or investment product

Always consult a qualified financial advisor, chartered accountant, or your bank/NBFC before making any financial decision. Your actual loan terms — including interest rate, processing fees, tenure, and EMI — will be determined solely by your lender based on your creditworthiness and their internal policies.

3. Accuracy of Calculator Results

While we strive to keep our calculators accurate, results may vary due to:

• Changes in RBI repo rates and bank lending rates
• Variations in GST, processing fees, and prepayment charges across lenders
• Differences in each bank's or NBFC's internal EMI calculation methodology
• Compound vs. reducing balance interest calculation differences
• Changes in government tax slabs or financial regulations

KarjBazaar makes no warranty — express or implied — regarding the accuracy, completeness, or suitability of calculator results for any specific purpose.

4. Third-Party Links & Advertisements

KarjBazaar may display advertisements or links to third-party websites including banks, NBFCs, and financial product aggregators. We do not endorse, recommend, or take responsibility for any products, services, interest rates, or terms advertised by third parties. Any transaction you enter into with a third party is entirely at your own risk.

5. Investment & SIP Disclaimer

Our SIP (Systematic Investment Plan) calculator provides projected returns based on an assumed rate of return entered by the user. Mutual fund investments are subject to market risks. Past performance is not indicative of future results. Returns shown by our SIP calculator are illustrative only and not guaranteed. Please read all scheme-related documents carefully before investing.

6. Limitation of Liability

KarjBazaar, its owners, developers, and contributors shall not be held liable for:

• Any financial loss, damage, or liability arising from reliance on our calculator results
• Decisions to apply for or reject any loan or investment product based on our tools
• Inaccuracies caused by incorrect data entered by the user
• Discrepancies between our results and actual lender calculations or offers

7. Regulatory Disclaimer

KarjBazaar is an independent information platform and is not affiliated with, endorsed by, or registered with the Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), Insurance Regulatory and Development Authority (IRDAI), or any other Indian regulatory authority.

8. Personal Data Disclaimer

Financial values entered into our calculators are not stored, tracked, or shared. All computations happen locally in your browser. For information on how we handle any other data, please read our Privacy Policy.

9. Changes to This Disclaimer

This Disclaimer may be updated periodically to reflect changes in our services or applicable laws. We recommend reviewing it each time you use our calculators.

10. Contact Us

For any questions regarding this Disclaimer:
📧 legal@karjbazaar.com
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