Disclaimer
Last updated: 1 July 2026
Muktify is NOT a SEBI-registered investment adviser.
Muktify is not registered with SEBI under the SEBI (Investment Advisers) Regulations, 2013, or any other SEBI regulation. Nothing on this platform is investment advice.
1. Educational tool only
All calculations, projections, Freedom Scores, debt analyses, and retirement estimates on Muktify are for educational and informational purposes only. They are mathematical outputs of the numbers you enter. They are not recommendations, plans, or advice.
2. Not investment advice
Nothing on Muktify constitutes investment advice, financial planning advice, tax advice, legal advice, or any other professional advice. The outputs of Muktify calculators do not take into account your complete financial situation, goals, risk tolerance, tax position, or any other factors that a qualified professional would consider.
3. No guarantees
All projections and estimates are based solely on the numbers you enter and the mathematical assumptions you choose. Actual results will differ, potentially significantly. Past performance of any investment category is not indicative of future results. Market returns, inflation rates, interest rates, and tax laws are all subject to change.
4. Expected returns are yours
Muktify never suggests an expected return for any investment, mutual fund, stock, or financial instrument. Any return figure used in a projection is one you have entered yourself. You are solely responsible for your assumed return figures. Muktify does not imply that any assumed return is achievable or appropriate.
5. Consult a professional
Before making any significant financial decision — including investing, prepaying loans, changing your savings strategy, or planning retirement — consult a SEBI-registered investment adviser, chartered accountant, tax professional, or other qualified professional who can take your full circumstances into account.
6. SEBI registration status
Muktify is not registered with the Securities and Exchange Board of India (SEBI) as an investment adviser under the SEBI (Investment Advisers) Regulations, 2013. Muktify is not a portfolio manager, stock broker, research analyst, or any other SEBI-regulated entity.
7. Limitation of liability
Muktify and its operators expressly disclaim all liability for any financial decisions made based on outputs from this tool. By using Muktify, you acknowledge that you are using an educational calculator and accept full responsibility for your own financial decisions.