My Stable Income is an independent financial technology workspace and self-directed simulation platform. We are NOT registered with the Securities and Exchange Board of India (SEBI) as Investment Advisors, Portfolio Managers, or Research Analysts. No content on this platform forms a direct advisory relationship.
1. Simulation Limitations & Estimates
The calculations, interest payouts, and maturity projections displayed across our Goal, Retirement, and Ladder Planners are derived from mathematical equations and are provided for educational estimation purposes only. Actual outcomes can vary based on:
- Changes in government tax regimes, new/old bracket slabs, or surcharge limits.
- Quarterly announcements of small savings interest rates by the Government of India (MoF).
- Premature exit parameters, tax deducted at source (TDS), or compound interval variances in banking systems.
2. Sovereign Scheme Terms
Products with direct sovereign guarantees (such as SCSS, POMIS, PPF, and NSC) have strict legal terms regarding eligibility, maximum individual or joint ceilings, lock-in structures, and extension modes. These terms are governed solely by official Post Office Savings Bank (POSB) rules and Ministry of Finance notifications. Our workspace helps visualize these parameters, but official government rules always take legal precedence.
3. Independent Verification Recommended
We strongly advise all users to independently cross-verify current interest yields, premature closure penalties, and tax implications directly on official government websites (such as India Post or the Income Tax Department) or consult with a SEBI-certified Registered Investment Advisor (RIA) before committing substantial capital.
Last updated: July 2026. My Stable Income disclaims any legal, financial, or tax liability arising directly or indirectly from the use of, or reliance upon, our local simulators, calculators, or articles.