Educational disclaimer

The guides on this site are general education about personal finance in India. They are not personal financial, investment, insurance, tax or legal advice, and they do not take your circumstances into account.

The guides do not recommend any bank, fund, insurance policy, scheme or other product. Examples are hypothetical unless a guide says otherwise.

Rules, limits and rates can change. Some guides include a last-reviewed date where relevant. Before you act, check the current position with the official source or a qualified professional.

When to speak to a professional

• Choosing specific investments: an investment adviser registered with SEBI. SEBI is the Securities and Exchange Board of India, the regulator of India's securities markets.
• Choosing an insurance policy or amount of cover: an IRDAI-registered insurance intermediary or an appropriately authorised insurance agent. IRDAI is the Insurance Regulatory and Development Authority of India, the regulator of India's insurance sector.
• Questions about your own tax: a Chartered Accountant.
• Debt that is hard to manage: your lender or a credit counsellor.

Check a professional's registration or authorisation before you rely on them.