MonuMoney.inDisclaimer
Last updated: March 2026 • Please read before using this site
Before you read anything on this site, understand this one thing:
I am Monu Kumar — a regular 9-to-5 employee from Panipat, Haryana. I am NOT a Chartered Accountant. I am NOT a SEBI-registered Investment Advisor. I am NOT a financial planner, banker, or insurance agent.
Everything you read on MonuMoney.in is my personal experience — my real experiments, my mistakes, my wins, and my ongoing financial journey that started in January 2026 with zero knowledge.
- This is a personal finance diary — not professional financial advice.
- What worked for me may not work for you.
- Always consult a qualified SEBI-registered advisor before making any investment decision.
This is Not Financial Advice — Here is What That Means
The content published on MonuMoney.in — including all articles, blog posts, guides, videos, social media posts, newsletters, and calculator results — is provided for informational and educational purposes only.
Nothing on this website constitutes:
- Professional financial advice
- Investment advice or recommendations
- Tax advice
- Legal advice
- Insurance advice
- An offer to buy or sell any financial product
When I write 'I invest in Nifty 50 Index Fund on Groww' — that is me sharing my personal experience. It is NOT a recommendation for you to do the same. Your income, risk tolerance, financial goals, tax situation, and life circumstances are completely different from mine.
The information on this site is general in nature. Before making any financial decision — whether it's starting a SIP, taking a loan, choosing a tax regime, or planning retirement — please consult a SEBI-registered investment advisor, Chartered Accountant, or licensed financial planner who understands your specific situation.
Calculator Results are Estimates — Not Guarantees
MonuMoney.in provides 30+ free finance calculators including EMI, SIP, Tax Regime, Debt Payoff, Retirement Corpus, and more. Please understand the following about calculator results:
Calculators show ESTIMATES only. Real-world results depend on many factors our calculator cannot predict.
Specifically:
- EMI Calculator: Actual EMI may differ due to bank processing fees, GST on loan, prepayment charges, and individual credit profile. Always confirm with your bank before signing any loan agreement.
- SIP Calculator: Mutual fund returns are market-linked and NOT guaranteed. Historical returns shown (12%, 14%, etc.) are based on past performance. Past performance does not guarantee future results. Your actual returns may be significantly higher or lower.
- Tax Calculator: Tax liability shown is an estimate based on standard rules. Actual tax depends on your exact income components, employer benefits, special allowances, and individual deductions. Consult a CA for accurate tax filing.
- Debt Payoff Calculator: Actual payoff timeline may vary due to penalty charges, part-prepayment rules, interest calculation method (daily reducing vs monthly reducing), and changes in interest rates.
- Retirement Calculator: Retirement corpus projections assume consistent returns which are never guaranteed. Inflation rates may be higher or lower than assumed. Healthcare costs in particular may exceed general inflation estimates.
None of the calculator results should be used as the sole basis for any financial decision.
Investment Risk Warning — Mutual Funds & Stocks
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Key risks you must understand:
- Market Risk: The value of your mutual fund units can go up or down based on stock market performance. You may get back less than you invested.
- Inflation Risk: Even 'safe' investments like FD may not beat inflation. The purchasing power of your money may reduce over time.
- Liquidity Risk: Some investments have lock-in periods. ELSS funds have a 3-year lock-in. You may not be able to access your money when you need it.
- Concentration Risk: Investing in a single fund or sector increases your risk. Always diversify.
- Past Performance: When MonuMoney.in mentions historical returns of any fund or asset class, these are past figures only. Past performance is NOT an indicator or guarantee of future returns.
- Regulatory Risk: Tax rules, SEBI regulations, and government policies can change. What is tax-free today may not be tomorrow.
I am not responsible for any investment losses you may incur based on information read on this site.
Accuracy of Information — We Try Our Best, But...
I work hard to ensure all information on MonuMoney.in is accurate, up-to-date, and relevant for Indian users. However:
I am human. I make mistakes.
Tax laws change. Budget 2026 changed several tax slabs. RBI changes repo rates. SEBI changes regulations. Interest rates fluctuate. What is accurate today may be outdated tomorrow.
While I update content regularly, I cannot guarantee that every piece of information on this site reflects the most current rules and regulations at the time you are reading it.
Specifically:
- Tax slabs and deduction limits shown reflect FY 2026-27 rules as of March 2026
- Interest rates shown are indicative and change frequently — verify with your bank
- Mutual fund return figures are historical averages — current performance may differ
- Government scheme rules (PPF, EPF, NPS) may have changed since this was written
If you find an error or outdated information, please email contact@monumoney.in — I will correct it within 48 hours.
How MonuMoney.in Earns Money — Full Disclosure
I believe complete transparency about how this site makes money is essential. Here is the honest breakdown:
1. Google AdSense
MonuMoney.in displays ads through Google AdSense. These are contextual ads chosen by Google's algorithm — I do not personally choose which ads appear. Ad revenue helps cover hosting costs and keeps all content free for you.
2. Affiliate Links
MonuMoney.in may contain affiliate links to financial platforms including but not limited to:
- Groww (mutual funds and stocks)
- Zerodha (trading and investing)
- HDFC Bank, SBI, ICICI (banking products)
- Other SEBI-registered platforms
When you click an affiliate link and sign up or make a purchase, I may earn a small commission at NO extra cost to you. This helps me continue creating free content.
Important: My editorial opinions are never influenced by affiliate relationships. I only recommend platforms I use myself or have personally researched. If I have an affiliate relationship with a platform I mention, it will be clearly disclosed with an asterisk (*) or 'affiliate link' label near the mention.
3. Content Independence
No company has paid me to write positive reviews or recommendations. All opinions are my own based on personal experience.
Third-Party Links & Websites
MonuMoney.in contains links to external websites including Groww, Zerodha, NSE, BSE, RBI, SEBI, Income Tax Department, and other financial platforms.
These links are provided for your convenience and reference. I do not control or endorse the content, privacy practices, or accuracy of information on third-party websites.
When you leave MonuMoney.in by clicking an external link, you are subject to the privacy policy and terms of that website — not ours. Please review the privacy policy of any third-party site you visit.
Regulatory Status — SEBI, RBI & AMFI
MonuMoney.in is a personal finance education blog. For complete clarity:
- MonuMoney.in is NOT registered with SEBI as an Investment Advisor
- MonuMoney.in is NOT registered with AMFI as a Mutual Fund Distributor
- MonuMoney.in is NOT a registered stockbroker with NSE or BSE
- MonuMoney.in is NOT a banking or NBFC entity regulated by RBI
- Monu Kumar is NOT a Chartered Accountant registered with ICAI
For regulated financial services, please use only:
- SEBI-registered Investment Advisors (check on sebi.gov.in)
- AMFI-registered Mutual Fund Distributors
- RBI-regulated banks and NBFCs
- ICAI-registered Chartered Accountants for tax advice
About Personal Results Mentioned on This Site
MonuMoney.in frequently mentions specific financial results from my personal journey. Examples:
- 'I cleared ₹15,000 credit card debt in 90 days'
- 'I earned ₹8,400 from side hustles in my first month'
- 'My SIP returned X% in Y months'
These are MY personal results only. They are shared to document my journey authentically — not to imply that you will achieve the same results.
Your results will depend on:
- Your income level and financial obligations
- Your debt amounts and interest rates
- Your discipline and consistency
- Market conditions at the time you invest
- Your specific city, employer, and tax situation
Individual results vary significantly. Some people do better. Some people do worse. There are NO guaranteed outcomes in personal finance.
Limitation of Liability
To the maximum extent permitted by Indian law:
MonuMoney.in and Monu Kumar shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of or reliance on any information, calculator result, or advice on this website
- Any investment decisions made based on content from this site
- Any financial losses, tax penalties, or legal issues resulting from acting on information found here
- Errors, omissions, or inaccuracies in the content
- Interruption or unavailability of the website
By using MonuMoney.in, you agree that you use this site at your own risk and that you are solely responsible for your financial decisions.
A Personal Note from Monu
I know disclaimers are boring to read. But I want to be completely honest with you.
I started MonuMoney.in because I was frustrated by finance content that either talked down to beginners or was secretly trying to sell me something. I wanted a place where a regular Indian with a regular salary could find honest, real information.
Everything I write comes from genuine personal experience. When I recommend something, it's because I use it myself. When I warn against something, it's because I got burned.
But I am still learning. I make mistakes. Markets are unpredictable. And your financial situation is uniquely yours.
So please — use this site to learn, get inspired, and understand concepts. Then take that knowledge to a qualified professional who can apply it specifically to your life.
That's the most honest thing I can tell you.