Disclaimer

Last updated: June 2026

TL;DR: EmiSetu is an informational tool, not a financial advisor. Our calculations are estimates. Always verify with your lender before making financial decisions.

1. For Informational Purposes Only

All content, tools, and calculators on EmiSetu (emisetu.com) are provided solely for general informational and educational purposes. Nothing on this website constitutes financial, investment, legal, or tax advice.

We are not a bank, non-banking financial company (NBFC), financial advisor, broker, or any entity regulated by the Reserve Bank of India (RBI) or the Securities and Exchange Board of India (SEBI).

2. Calculation Estimates

Our EMI calculators use the standard reducing-balance formula:

EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1)

where P is the principal, r is the monthly interest rate, and n is the number of monthly instalments.

Results are estimates only. Actual loan EMIs, interest amounts, and total costs offered by lenders may differ due to:

Processing fees and other charges
GST on fees and insurance premiums
Lender-specific rounding conventions
Variable or floating interest rate changes over the loan tenure
Prepayment penalties and part-payment policies
Insurance and other add-ons bundled by lenders

3. No Guarantee of Loan Approval

EmiSetu does not originate, process, or guarantee any loans. Using our calculators does not constitute a loan application and does not imply eligibility for any loan product. Loan approval is at the sole discretion of the respective lender.

4. Third-Party Content and Links

Our blog and articles may reference interest rates, lender products, and market data from third-party sources. We strive for accuracy but do not guarantee that this information is current or complete. Interest rates change frequently — always verify the latest rates directly with your lender.

Links to third-party websites are provided for convenience only. EmiSetu does not endorse, control, or take responsibility for the content of external sites.

5. Limitation of Liability

To the fullest extent permitted by applicable law, EmiSetu and its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of — or reliance on — the information or tools on this website.

You use EmiSetu at your own risk. We strongly recommend consulting a qualified financial advisor before making any significant borrowing or investment decisions.

6. Contact

If you spot an error in our calculations or have questions about this disclaimer, please contact us.