Last updated: 20 October 2026
Diving Finance publishes articles, explainers and calculators on Indian personal finance. Please read this page before you act on anything you find here.
We are not your investment adviser
Diving Finance and its author, Ashutosh Joshi, are not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser or Research Analyst, unless a specific page clearly says otherwise. Nothing on this site is a recommendation to buy, sell or hold any security, mutual fund, insurance policy, deposit or loan product.
Educational information only
Our content explains how financial products, rules and taxes work in India. It is general in nature. It does not know your income, goals, tax bracket, existing loans or risk appetite, and it cannot replace advice built around your situation.
Before you make a financial decision, speak to a SEBI-registered investment adviser, a chartered accountant or another qualified professional. You can check an adviser’s registration on the SEBI website.
Rates and rules change
Interest rates, tax slabs, small savings rates and regulations change often. Every article carries an “as on” or “Last updated” date. After that date, figures may be out of date. Always confirm the current rate or rule with the bank, fund house, Reserve Bank of India, Income Tax Department or other official source before acting.
Calculators give estimates
Our calculators use standard formulas and the inputs you enter. Results are estimates, not offers or guaranteed outcomes. Your bank’s actual EMI, maturity amount or tax may differ because of rounding, fees, compounding conventions, TDS and day-count methods. See How We Calculate for the formulas and their limits.
No guarantee of returns
Mutual fund investments are subject to market risks. Past performance does not indicate future returns. Any return figure used in an example is an assumption for illustration, not a promise.
We try hard to keep information accurate, but we do not guarantee that it is complete, current or error-free. Diving Finance is not liable for any loss arising from use of this site.
Advertising and affiliate links
This site may show advertisements and may contain affiliate links. If you click such a link and buy a product, we may earn a commission at no extra cost to you. Any such arrangement does not decide what we write or how we rate a product. Where a page contains affiliate links or sponsored content, we will say so on that page.
External links
We link to official and third-party websites for reference. We do not control them and are not responsible for their content or privacy practices.
Questions
If something here is unclear or you spot an error, write to us through our contact page.