Financial disclaimer

Not a lending decision

The feature named Financing Readiness is an educational readiness estimate based on the information and assumptions you provide. It is not a loan offer, approval, credit decision, pre-approval, sanction or guarantee of eligibility. Actual eligibility depends on the lender's underwriting policy, credit checks, documentation and applicable regulations.

Not investment advice

Investment and planning calculators — SIP, lump sum, compound growth, CAGR, NPV, IRR, XIRR, inflation adjustment, goal planning — are illustrative mathematics on inputs you choose. They do not predict returns, do not account for taxes, fees or market risk unless you enter them, and do not constitute a recommendation of any security, scheme or product.

Not an audit or a certified statement

Generated reports are not bank-issued credit reports, audit reports, lending decisions or certified financial statements. They summarise calculations run on data you confirmed.

Not tax or regulatory guidance

Tax rules, lender criteria and regulations change. Nothing here should be treated as a current statement of law or lender policy unless a dated, verifiable source is shown alongside it.

Accuracy depends on your confirmation

Extraction from documents is automated and imperfect. Confidence scores and source references are shown so you can check every row. Once you confirm the data, the calculations are only as accurate as what you confirmed.

Anomalies are patterns, not accusations

Where a transaction is flagged, the wording is deliberate: it is unusual compared with that document's normal pattern. It is not an assertion of error, misconduct or fraud.

No ranking of lenders

FinBizDoc does not rank lenders or identify a “best loan”. It compares loan scenarios you define, using assumptions you enter.