Terms of service.

1. What this service is

indiaemi.com is a free, browser-based set of calculators for estimating EMIs, tax benefits, prepayment scenarios, and related loan math. You may use it for any lawful purpose without registration or payment.

2. Not financial advice

The numbers shown by our calculators are mathematical estimates based on the inputs you provide. They are not financial advice, tax advice, or loan offers. They do not account for processing fees, prepayment penalties (where applicable), credit insurance, GST, stamp duty, or other charges that may apply to actual loans.

For decisions involving real money, consult a SEBI-registered financial advisor and a qualified Chartered Accountant. Confirm actual EMI figures with your lender before signing any loan document.

3. No warranty

The service is provided "as is" without warranty of any kind. While we have tested our calculations against published figures from major Indian banks, we make no guarantee that the tool is bug-free, always available, or will produce the same result as your specific lender's software.

4. Limitation of liability

We are not liable for any direct, indirect, incidental, or consequential damages arising from use of this tool, including but not limited to financial losses from decisions made based on the calculator's output.

5. Acceptable use

You agree not to:

• Attempt to overload, abuse, or attack the service infrastructure
• Use automated tools to scrape or republish our content without permission
• Misrepresent the site or its output as official lender or government communication

6. Intellectual property

The site's content (text, calculations, design) is the property of indiaemi.com. You may link to the site freely. You may not copy the content for republication without written permission.

7. Third-party services

This site uses Google Analytics and Ezoic. Your use of those services on this site is also governed by their respective terms.

8. Not affiliated with banks or the government

indiaemi.com is independently operated. We are not affiliated with, endorsed by, or connected to any bank, NBFC, lender, the Reserve Bank of India, the Government of India, or any other regulatory body. Mentions of specific lenders (SBI, HDFC, ICICI, etc.) are for general reference only.

9. Jurisdiction

These terms are governed by the laws of India. Any disputes will be resolved in the courts of that jurisdiction.

10. Changes to these terms

These terms may be updated. The "Last updated" date will reflect any change. Continued use of the site after changes implies acceptance.

11. Contact

Questions about these terms: contactus@indiaemi.com