Editorial Standards

Every calculation, article, and recommendation on LastEMI follows these standards. We take accuracy seriously because your financial decisions depend on it.

Calculation Verification

All EMI calculations use the standard reducing balance formula used by Indian banks. Our amortization schedules are verified against RBI guidelines and cross-checked with actual bank statements.

Primary Sources We Cite

• RBI circulars — for prepayment penalty rules, repo rate changes, and lending rate regulations
• Income Tax Act — Section 80C (₹1.5L cap), Section 24(b) (₹2L cap), Section 80E (no cap)
• Bank rate cards — SBI, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank

Affiliate Disclosure

When we show affiliate links (balance transfer, consolidation), we disclose this clearly. Affiliate links only appear when our calculation shows a genuine net saving of ₹25,000+ after all fees. We never show affiliate links when the math does not support the recommendation.

Content Review

Blog articles are reviewed against real amortization calculations before publishing. Tax-related content is reviewed before each new financial year (April) to ensure accuracy with current rules.

What We Do Not Do

• We do not give specific investment advice
• We do not recommend specific mutual funds
• We do not act as debt settlement services
• We do not capture phone numbers for bank or DSA referrals

Questions about our editorial process? Contact us