Editorial policy

Our purpose

We write to help Indian readers understand money: how a product works, what it costs, how it is taxed and what can go wrong. We aim to be useful to a reader who has never studied finance, without being wrong in a way that would embarrass us in front of one who has.

Sources

Rules, rates and limits are checked against primary sources wherever possible: the Income Tax Department and the Finance Act for tax; SEBI circulars and studies for markets; the Reserve Bank of India for banking and credit; PFRDA for the NPS; the Ministry of Finance for small savings rates; NSE and AMFI for market and fund data. These sources are linked at the end of each article. Secondary sources (news reports, fund-house explainers) are used only to find a primary source, not as the final word.

Numbers and calculations

Every worked example, table and chart on this site is generated by code from the stated assumptions, not typed by hand, so the arithmetic is consistent across the page. The formula is shown, and where an assumption matters (a rate of return, an inflation rate, a holding period) it is stated next to the result. Data studies describe their data source, period and method so they can be reproduced.

Review and updates

Each article shows the date it was last reviewed. We review tax and regulatory content after each Union Budget, after relevant SEBI, RBI or PFRDA changes, and at least once a year. When a review changes something material, the article carries a short update note.

Corrections

If you find an error, email support@imrawal.com with the page link. We check every report. Confirmed factual errors are corrected promptly and, if the error could have affected a reader's decision, the correction is noted on the page.

Independence

• We do not accept payment for articles, reviews or placements.
• We do not use affiliate links and earn no commission from any product mentioned.
• The site is funded by display advertising through Google AdSense. Advertisers have no influence over what we write.
• We never recommend specific securities, schemes or trades.

Use of software and AI

We use software as a tool: code to run calculations, backtests and data studies, and AI-assisted drafting and editing. Every published page is reviewed by Pradeep Rawal, who checks the facts, the numbers and the sources and is responsible for the final content.

Who is responsible

All content is written or reviewed and approved by Pradeep Rawal, NISM Series XV and Series VIII certified.