The rules for using CalBharat. Last updated 2 October 2026.
By using CalBharat you agree to these terms. If you do not agree, please do not use the site. We may update these terms from time to time; the date at the top of this page shows when they last changed, and continued use means you accept the current version.
CalBharat provides free online calculators for loans, EMI, tax, investments, insurance and related topics. Everything is calculated in your browser from the numbers you enter. The tools are meant to help you understand and compare options, nothing more.
Results are estimates based on the formulas and rates shown on each page. They are not financial, tax, legal or investment advice, and CalBharat is not a bank, lender, insurer, broker, chartered accountant or SEBI-registered adviser. Your actual EMI, tax, returns or premium will depend on the terms offered by the institution concerned and on your own circumstances. Please confirm important figures with the lender, insurer, tax professional or official source before making a decision.
Interest rates, tax slabs, gold prices, exchange rates and similar figures change often. We try to keep them current, and where a live source is unavailable the site falls back to saved values and says so. We do not guarantee that any rate or figure is complete, current or error free.
You may use the site for your own personal or business planning. Please do not attempt to disrupt the service, overload it with automated requests, scrape it at a rate that affects other visitors, probe it for security weaknesses, or use it to break any law. Automated access that is polite and read only, for example by search engines or AI assistants, is welcome as described in our llms.txt file.
The design, text, code and translations on CalBharat belong to CalBharat or its contributors. You may link to any page and quote short extracts with attribution. Please do not copy the site as a whole or present it as your own.
The site may show advertising (for example Google AdSense), use cookieless analytics, and link to external websites. We do not control those services or sites and are not responsible for their content or practices. See our Privacy Policy for how data is handled.
We aim to keep the site available but do not promise uninterrupted service. We may change, suspend or remove any calculator or feature at any time, for example for maintenance.
To the fullest extent permitted by law, CalBharat and the people behind it are not liable for any loss or damage, direct or indirect, arising from your use of the site or from reliance on any result, rate or content shown. The site is provided as is, without warranties of any kind.
These terms are governed by the laws of India. Any dispute will be subject to the jurisdiction of the competent courts in India.
Questions about these terms, or corrections to anything on the site, can be sent through our Contact page.