Financial Disclaimer: Effective Date: May 2026
Please read this disclaimer carefully before using any financial tools from sipcalculatornp.com site. I have written this page to be as clear and honest as possible about what my website can and cannot do for you. By using this website, you acknowledge that you have read, understood, and agree to the terms outlined below.
This Website Provides Information, Not Financial Advice
I built SIP Calculator NP to help Nepali investors and savers understand their money better through free, easy-to-use financial calculators and educational content. Everything on this website — the SIP Calculator, Lumpsum Calculator, SWP Calculator, RD Calculator, FD Calculator, Retirement Planning Calculator, blog articles, guides, and any other material I publish — is provided strictly for general informational and educational purposes.
Nothing on this website should be treated as personalized financial advice, investment advice, tax advice, or legal advice. I am not telling you where to invest, which mutual fund to choose, which bank to open a deposit with, or how to structure your retirement portfolio. Those decisions depend on your individual financial situation, risk tolerance, income level, family obligations, and long-term goals — things that no website can fully understand about you.
I am not a registered investment adviser or registered firm to hold any license from SEBON, NRB and other regulatory entities. I am just a banker and financial analyst by profession, and here to excel my skills and knowledge using the financial calculators for all visitors.
Calculator Results Are Estimates — Not Promises
I want to be completely transparent about what my calculators do and what they do not do. My site’s Financial Disclaimer clears that every calculator on this website is a mathematical projection tool. It takes the numbers you enter — investment amount, expected rate of return, time period, contribution frequency — and runs them through a formula to show you an estimated future value. That is it. The output is a projection based on assumptions, not a guarantee of what will actually happen to your money.
Here are the key assumptions and limitations you should understand:
Constant rate of return: When you enter an expected annual return — say 12% or 14% — my calculators assume that rate stays the same every single year for the entire investment period. In real life, this never happens. Mutual fund returns in Nepal fluctuate year to year. NEPSE has had years of strong gains and years of painful corrections. The actual annual return on your SIP or lump-sum investment will vary — sometimes significantly — from the flat rate you plug into my calculator. Past performance of any mutual fund scheme managed by NabilInvest, Siddhartha Capital, Global IME Capital, Laxmi Capital, NMB Capital, Nicasia Capital, NIBL Capital, or any other SEBON-registered fund house does not guarantee future results.
Fees, loads, and taxes are not deducted: Unless I have explicitly stated otherwise on a specific calculator page, the projected values my tools show do not account for fund management fees (expense ratios), entry loads, exit loads, capital gains tax, dividend tax, or any other charges that eat into your real returns. These costs add up over time, especially over long investment horizons of 10, 15, or 20 years. Your actual maturity value will be lower than what my calculator shows because of these deductions.
Market risk is not simulated: My calculators show smooth, upward-curving growth lines. That is what happens when you assume a constant positive return. Real investments do not work that way. Real-world investments in Nepal’s capital market carry market risk, liquidity risk, credit risk, interest rate risk, regulatory risk, and other forms of financial uncertainty. My tools do not model any of this volatility. The smooth curve is a simplification — a useful one for planning, but a simplification nonetheless.
Inflation is an approximation: My Retirement Planning Calculator uses a 7% annual inflation rate, which I derived from Nepal Rastra Bank’s historical consumer price index data. I believe this is a reasonable benchmark for Nepal, but actual future inflation could be higher or lower. A one or two percentage point difference in inflation over a 25-year planning horizon can dramatically change how much money you actually need at retirement. Treat my retirement projections as a useful starting point for planning — not as a precise prediction of your future expenses.
Deposit interest rates change: My RD and FD calculators let you enter the interest rate your bank is currently offering. But deposit rates in Nepal are not fixed forever — they shift based on NRB’s monetary policy decisions, banking sector liquidity, and individual bank policies. The rate you see advertised today might not be the rate you earn for the full tenure of your deposit, especially if you are locking in for 2, 3, or 5 years. My calculator cannot predict future rate changes — it simply projects based on the rate you enter right now.
Understanding Risk in Mutual Fund Investments
If you are using my SIP Calculator or Lumpsum Calculator to plan a mutual fund investment in Nepal, please keep the following in mind (financial disclaimer):
At first, mutual funds are fully subject to market risk. The value of your investment can decrease as well as increase. There is no guarantee that you will get back the amount you invested, let alone earn a profit.
The Net Asset Value (NAV) of mutual fund units changes daily based on the performance of the stocks, bonds, and other securities the fund holds. If the broader market falls — as NEPSE has done multiple times in its history — the NAV of your fund will likely fall too, and so will the value of your holdings.
But the good thing about open-ended mutual funds (SIP Schemes) is that you can redeem your subscribed units at the current NAV. But that NAV might be lower than what you paid. Closed-ended mutual funds trade on NEPSE, and their market price can be higher or lower than NAV depending on supply and demand.
Past returns — whether quoted by fund houses, shown on financial news portals, or calculated by my tools — are historical data. They tell you what happened before. They do not tell you what will happen next. I say this because I have seen too many first-time investors in Nepal assume that a fund that returned 18% last year will return 18% every year in the future. It will not. Returns fluctuate, and in some years you will lose money.
Before investing in any mutual fund scheme in Nepal, I strongly recommend that you read the scheme’s offer document, key information memorandum, and the latest annual report published by the asset management company. These documents are the authoritative source of information about any specific fund — my calculator is not.
Bank Deposits Are Not Entirely Risk-Free Either
Many people in Nepal think of recurring deposits and fixed deposits as completely safe because “the bank guarantees it.” While bank deposits are certainly lower risk than equity mutual funds, they are not zero risk. Your deposit is only as safe as the financial institution holding it.
Nepal’s banking sector is regulated by NRB and the Deposit and Credit Guarantee Fund (DCGF), which provides a limited level of deposit insurance. As I said, there will not be full coverage; it’s limited to small values of deposits only, and it may not fully protect large deposits if an institution faces serious financial difficulty. This is a risk worth understanding, especially if you are placing very large sums with a single bank or BFI.
This site Financial Disclaimer explains that these RD and FD calculators show what you would receive based on the interest rate you enter and NRB-standard quarterly compounding. The actual amount credited to your account depends on your specific bank’s terms — including any penalties for premature withdrawal, changes in interest rate policy during your tenure, and applicable tax deductions at source.
Retirement Projections Are Starting Points, Not Plans
My Retirement Planning Calculator helps you estimate how much you may need to save to maintain your desired lifestyle after you stop working (Financial Disclaimer). It is a planning aid — nothing more. A true retirement plan takes into account far more than any online calculator can capture: your health, your family situation, whether you own property, your EPF (Employees’ Provident Fund) accumulation, CIT (Citizen Investment Trust) balance, SSF (Social Security Fund) contributions, any rental income you might have, your spouse’s financial situation, and dozens of other personal factors.
I built the retirement calculator to spark the conversation — to get you thinking seriously about whether you are saving enough. But please do not treat its output as a complete retirement plan. Work with a qualified financial professional who can look at your entire picture and give you guidance that is specific to your life.
I Am Not Endorsing Any Specific Institution or Product
Throughout this website, I mention specific banks, asset management companies, and regulatory bodies by name — NabilInvest, Siddhartha Capital, Nicasia Capital, Nabil Bank, NIC Asia, Nepal Rastra Bank, SEBON, and others. I do this purely to give a practical example and steps to be followed, either in registering the SIP, SIP Unit redemption or maybe for product discussion of each Merchant Banking and Capital Manager.
But I want to clear that these mentions are not endorsements, recommendations, or paid promotions. I am not affiliated with, sponsored by, or officially associated with any bank, asset management company, brokerage firm, or financial institution in Nepal unless I have explicitly said so on a specific page.
Always Consult a Qualified Professional
Before you make any financial decision — starting a SIP, choosing a mutual fund, opening a fixed deposit, planning your retirement, or anything else involving your money — please talk to someone qualified to advise you. A licensed financial adviser, a chartered accountant, or a SEBON-registered investment adviser who understands your personal circumstances will always give you better guidance than any calculator on the internet, including mine.
I built these tools to help yout to think about finances more clearly. Also, my aim is just to make it easy to learn and get a detail before your investment. So, the final decisions are yours, and they should be informed by professional advice tailored to your specific situation.
Limitation of Liability
To the fullest extent permitted by applicable law in Nepal, I — Basanta, the creator of SIP Calculator NP — along with any contributors or affiliates, shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on the calculators, articles, guides, or any other content on this website.
Financial Disclaimer includes, without limitation, any financial losses, investment losses, missed opportunities, or decisions you make based on information obtained from this website. You use my tools and content entirely at your own risk and discretion.
Updates to This Disclaimer
I may update this disclaimer from time to time — for example, when I add new calculators, when NRB or SEBON changes regulations that affect how I present information, or when I feel a section needs to be clearer. When I make significant changes, I will update the “Effective Date” at the top of this page. I encourage you to review this page occasionally so you understand the basis on which my tools and content are provided.
If you have any questions about this financial disclaimer, please reach out to me at contact@sipcalculatornp.com. I am always happy to clarify.
— Basanta