Terms of Use

Niyamfin is operated by Niyam Finance (operated by Harwansh Tiwari, India). In these Terms, “Niyamfin,” “Niyam Finance,” “we,” “us,” and “our” refer to the operator of this website and calculator. Niyam Finance is a brand/project name and is not a SEBI-registered investment adviser, research analyst, insurance intermediary, or distributor.

No regulated advice

Niyamfin is an educational website. We do not provide financial, investment, tax, insurance, legal, lending, brokerage, distribution, or other regulated advice. We are not SEBI-registered, IRDAI-registered, PFRDA-registered, RBI-regulated, or licensed as a financial adviser, investment adviser, insurance adviser, tax adviser, broker, distributor, lender, or financial intermediary.

Any calculators, examples, articles, or outputs are for general learning and illustration only. They are not recommendations and should not be treated as advice. You are responsible for verifying information and consulting qualified professionals before making financial decisions.

Educational purpose only

Niyamfin is provided for general educational and informational purposes. It performs calculations using standard formulas and the inputs you supply. It does not provide financial, investment, insurance, tax, legal, or accounting advice, and it does not recommend any specific security, mutual fund, insurance policy, lender, or course of action.

No advisory relationship

Using Niyamfin does not create an adviser–client or fiduciary relationship. Niyamfin is not a SEBI-registered investment adviser, research analyst, insurance intermediary, or distributor. Outputs are generic illustrations, not personalised recommendations tailored to your full circumstances.

Estimates, not guarantees

All results are estimates based on assumptions (such as inflation and return rates) that may not hold. Investment returns are uncertain and past performance does not indicate future results. Actual outcomes will differ. You are solely responsible for any decisions you make.

Verify before acting

Before acting on anything you see here, consult a SEBI-registered investment adviser, a licensed insurance professional, or a qualified chartered accountant who can assess your complete situation.

Business inquiries

Niyamfin may accept partnership, collaboration, integration, licensing, sponsorship, or other business inquiries that align with its educational purpose. Any such business relationship does not change the educational nature of the website and does not mean Niyamfin provides regulated financial advice.

Acceptable use

You may use Niyamfin for personal, non-commercial educational purposes only. You may not scrape, frame, reverse engineer, or create automated queries against this website without prior written permission from Niyam Finance.

No liability

To the maximum extent permitted by law, Niyamfin and its creators are not liable for any loss or damage arising from use of, or reliance on, this tool. The tool is provided “as is” without warranties of any kind.

Accuracy

Formulas, benchmarks, and tax-related rules change over time and may contain errors or become outdated. No guarantee is made as to accuracy, completeness, or current validity.

Governing law and jurisdiction

These Terms are governed by the laws of India. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of courts in India.

Changes to these Terms

We may update these Terms from time to time. The revised version will be posted on this page with an updated date. Continued use of Niyamfin after changes are posted constitutes acceptance of the revised Terms.

Last updated: 28 June 2026