Terms

What Valculator is

Valculator is an information and illustration tool. It takes figures you enter — your loan details and the offers you have been quoted — and computes comparisons between them so you can see which option is better on the numbers you provided.

What Valculator is not

Valculator is not a SEBI-registered investment adviser and not a lending institution. It does not provide personalised investment advice, does not recommend specific mutual funds, securities, or investment products, and does not endorse any lender or loan product. It cannot originate, approve, or arrange a loan.

The figures are only as good as the inputs

Every output depends entirely on the details you enter and the assumptions listed alongside the results. Real lender quotes vary by borrower profile, and final costs are set by your lender, not by us. Verify any figure with your lender before acting on it. Do not treat a Valculator result as a quote, an offer, or a guarantee.

Illustrations are not predictions

Where Valculator projects the future value of money — for example, what a monthly saving might grow to if invested — that is an illustration at an assumed rate you can change. It is not a predicted or promised return, and it is not a recommendation to invest.

Using the tool

Valculator is free to use and requires no account. Advisors may brand and share the proposals they generate with their own customers. You are responsible for how you use and share anything you generate, including for the accuracy of the inputs you enter on someone else's behalf.

Important information

Valculator is an information and illustration tool. It is not a SEBI-registered investment adviser and not a lending institution.

Loan figures above are a comparative analysis of the offers you entered, not an endorsement of any lender or loan product.

Any investment or growth figures shown are illustrations at an assumed rate you can adjust — never a predicted or promised return. Valculator does not recommend specific mutual funds, securities, or investment products.

All calculations use the assumptions listed in "View assumptions" and the details you entered. Verify final figures with your lender before making a decision.