Financial & Regulatory Disclaimer

1. Informational & Computational Purposes Only

The calculators, amortization tables, interest rate models, and educational guides provided on DevsPoint (https://www.devspoint.in) are designed strictly for general informational and mathematical simulation purposes.

Calculations are generated client-side using standard compound annuity formulas and prevailing Reserve Bank of India (RBI) benchmark rate conventions. They are estimates and do not guarantee that any specific bank or housing finance company will sanction a loan or approve a balance transfer at the computed rates.

2. Not a Lender or Direct Selling Agent (DSA)

DevsPoint does not participate in the lending process. Specifically, we do not:

• Originate, underwrite, or disburse home loans
• Issue formal in-principle sanction letters or legally binding credit agreements
• Collect loan documentation (LODs, title deeds, KYC documents) for submission to banks
• Earn referral fees or sales commissions from banks or HFCs for recommending specific lenders
• Influence credit underwriting decisions or credit score assessments

3. Accuracy & Lender Discretion

While our computational algorithms are designed with high precision, actual loan terms offered by Indian lenders will depend on multiple individual credit factors, including:

• Your credit score (CIBIL / Experian score of 750+ typically qualifies for the lowest rates)
• Fixed Obligation to Income Ratio (FOIR) and net monthly disposable income
• Loan-to-Value (LTV) ratio based on an independent technical property valuation
• Title clearance report provided by the bank's empaneled legal advocates
• State-specific MODT (Memorandum of Deposit of Title Deeds) stamp duty and registration rules

4. Tax Information Disclaimer

Any discussion of home loan tax benefits (including Section 24(b) interest deduction, Section 80C principal repayment, or Section 80EEA) is for educational reference under the Indian Income Tax Act 1961. Tax laws are subject to annual budget amendments, and eligibility depends on your choice of tax regime (Old vs. New Tax Regime). Always consult a qualified Chartered Accountant (CA) regarding your specific tax filings.

5. Advertising Transparency

DevsPoint is supported by transparent advertising, including Google AdSense, which allows us to keep our calculators and guides free for all Indian homeowners. Advertisements are clearly designated and do not affect our calculation algorithms or editorial ratings.

6. Contact Legal & Editorial Desk

If you have any questions or require clarification regarding this disclaimer, please reach out to us at [email protected] or through our Contact Form.