Calculation Limitations
Our tool has defined boundaries:
- Uses fixed return rates (no market volatility modeling)
- Assumes constant returns throughout tenure
- Excludes fund management fees (typically 1-2.5%)
- Ignores dividend reinvestment variations
Example Limitation
Actual SBI FD returns may vary due to:
1. Changing interest rates
2. TDS deductions
3. Premature withdrawal penalties
Market Risk Disclosure
Investment risks include:
Equity Risk
Market crashes can reduce returns by 30-50%
Liquidity Risk
Exit loads may apply in mutual funds
Inflation Risk
6% annual inflation erodes real returns
Legal Protections
This tool:
- Does not execute actual financial transactions
- Does not recommend specific funds/banks
- Uses publicly available interest rate data
- Contains educational content only
Verification Tip
Cross-check results with bank statements and fund fact sheets
Calculation Assumptions
Our projections assume:
Return Rates
Based on historical averages (5-10 year periods)
Tax Treatment
20% LTCG applied for gains >₹1L (FY 2024-25 rules)
Market Conditions
Assumes no major economic disruptions
Regional Considerations
Indian-specific assumptions:
- SEBI regulations for mutual funds
- RBI guidelines for fixed deposits
- Applicable for residents in India only
Professional Advice
This tool does NOT:
- Replace financial advisor consultations
- Account for personal risk profiles
- Consider asset allocation strategies
Scenario Gap
Our calculation: ₹12L @12% → ₹46.75L
Reality: May vary due to fund manager changes
Liability Clause
We disclaim responsibility for:
- Investment losses
- Tax filing errors
- Market timing decisions
- Bank policy changes
Contact for Clarifications
Email: [email protected]
Include these details in queries:
- Calculation parameters used
- Specific scenario details
- Device/browser information