Editorial Policy

RupeeIQ is committed to delivering transparent, deeply researched, and mathematically verified personal finance content across India — from discount broker tariff breakdowns and mutual fund analyses to income tax optimization and insurance evaluations. This page explains exactly how we research, review, and maintain editorial integrity.

1. Who Researches and Edits RupeeIQ Content

RupeeIQ is founded and led by Siddharth Purohit, an active investor in Indian capital markets, software engineer, and independent financial researcher. Siddharth personally oversees all editorial direction, tariff audits, calculator logic, and quality standards on the platform.

Every guide, comparison, and review published on RupeeIQ is:

• Independently researched and verified against official regulatory filings before publication.
• Grounded in primary sources — including SEBI circulars, AMFI monthly reports, IRDAI annual disclosures, Income Tax Department notifications, and stock exchange tariff sheets.
• Free from sponsored influence — brokers and financial institutions cannot pay to alter ratings, rankings, or comparative fee disclosures.

2. Financial Research Methodology

📈 Demat & Trading Brokers

Broker reviews and fee comparisons are calculated using live tariff disclosures, Account Maintenance Charges (AMC), DP charges (CDSL/NSDL), call & trade fees, and regulatory turnover levies (STT, stamp duty, exchange transaction charges, SEBI turnover fees, GST). We cross-reference active client data with monthly NSE and BSE active client reports and analyze complaint resolutions published on SEBI SCORES.

💹 Mutual Funds & Index Investing

Mutual fund analyses draw directly from Scheme Information Documents (SID), Key Information Memorandums (KIM), and monthly portfolio disclosures published on AMFI. We evaluate funds on Expense Ratios (TER), portfolio overlap, tracking errors, rolling returns across 3, 5, and 10-year horizons, and risk-adjusted metrics (Sortino, Sharpe, Standard Deviation).

🧾 Income Tax & Budget Analysis

Tax guides are updated in accordance with the latest Finance Act, CBDT circulars, and official Income Tax Department guidelines. Calculations comparing the Old vs New Tax Regime incorporate standard deductions, Section 87A rebate ceilings, surcharge slabs, and applicable Chapter VI-A deductions (80C, 80D, 80CCD(1B)).

🛡️ Life & Health Insurance

Term insurance evaluations prioritize pure protection plans without investment mixing (ULIPs/endowment plans are explicitly cautioned against). Insurer ratings reflect individual death claim settlement ratios by number and benefit amount, claim repudiation ratios, and solvency margins sourced exclusively from IRDAI Annual Reports.

🧮 Interactive Calculators

All financial calculators (SIP, SWP, CAGR, XIRR, Tax, PPF) run verified mathematical models client-side in the browser. Formulas incorporate compounding frequencies, expense ratio drags, and applicable capital gains tax rules where specified.

3. SEBI Regulatory Stance & Educational Purpose

RupeeIQ is an educational personal finance publication and is NOT a SEBI-registered Investment Adviser (RIA), Research Analyst (RA), or Portfolio Management Service (PMS).

Nothing published on RupeeIQ constitutes personalized investment advice, a buy/sell stock recommendation, or a solicitation to trade derivatives or securities. Personal finance decisions depend on individual risk tolerance, goals, and tax situations. Always consult a SEBI-registered financial adviser before executing major investment decisions.

4. Editorial Independence & Affiliate Disclosure

RupeeIQ may include partner or affiliate links to financial products (e.g., Demat account opening links, banking products, credit cards). When you open an account through these links, RupeeIQ may receive a referral commission at zero additional cost to you.

Our guarantee: Commercial relationships NEVER influence editorial recommendations, rankings, or fee disclosures. If a broker or credit card offers a superior value proposition for retail investors, it receives top placement regardless of affiliate payouts. Full details can be found on our Affiliate Disclosure.

5. Accuracy & Corrections Policy

Financial regulations and brokerage tariffs change frequently. If you notice any outdated fee, broken calculator logic, or regulatory change that needs updating, please notify us immediately via our Contact Page. Verified corrections are updated within 48 hours with transparent update timestamps.

This editorial policy was last updated in September 2026. Continued use of RupeeIQ constitutes acceptance of this policy and our Terms of Service.