Regulatory Disclaimers & Limitations
Last updated: October 2026 • Governing Law: Republic of India
1. Educational Nature of Calculators
Paise Plan (Planpaisa.ai) is an educational modeling and mathematical planning platform operated by Paise Plan Technologies Pvt. Ltd. The tools, calculators, simulation engines, and content provided on this website are designed solely for educational, informational, and personal planning purposes.
2. Not a SEBI Registered Investment Adviser
Paise Plan is not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser (RIA), Research Analyst (RA), or Portfolio Management Service (PMS) under the SEBI (Investment Advisers) Regulations, 2013. The outputs generated by this platform do not constitute individual investment advice, research recommendations, or solicitation to buy or sell any stock, mutual fund unit, bond, or financial instrument.
3. Not an IRDAI Insurance Intermediary
We are not licensed by the Insurance Regulatory and Development Authority of India (IRDAI) as an insurance broker, corporate agent, or web aggregator. We do not solicit, sell, or receive commissions from insurance policies. The insurance calculations presented (such as Human Life Value or Health floater benchmarks) are educational estimates and do not guarantee claim settlement, policy issuance, or coverage adequacy.
4. Not a Lender or Loan Broker
We are not a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI) or a lending partner. Loan amortisation schedules and Fixed Obligation to Income Ratio (FOIR) calculations represent mathematical estimates. Actual loan sanction, interest rates, and loan-to-value (LTV) limits are determined solely by lending institutions subject to credit appraisal and underwriting standards.
5. No Guarantee of Financial Outcomes
Past performance of Indian equities, debt mutual funds, gold, or real estate is not indicative of future returns. Investment projections use illustrative compound annual growth rates (CAGR) and inflation scenarios, which are subject to economic volatility and market risks.