About

I'm Jayesh Jain, an AMFI Registered Mutual Fund Distributor (ARN-286359). I founded BachatCalculator to fill a gap I kept seeing as a finance practitioner: India has plenty of bank-marketing calculators and global tools that don't quite fit Indian regulations, but no calculator-first site that combines formula-cited rigour with full India context — INR formatting, RBI/SEBI/IT-Act citations, all major banks and LIC plans, and editorial independence.

On every page I review the formula against current RBI / SEBI / Income Tax Department rules and sign off on the output. If a regulation changes (FY tax slabs, RBI repo rate, post-office scheme rates, EPFO interest), the page is updated and re-signed.

Credentials

• AMFI Registration Number ARN-286359 — valid 31 Jan 2024 to 24 Jan 2027. Verify at AMFI ↗
• NISM Series V-A: Mutual Fund Distributors Certification

Editorial role

What I review on BachatCalculator:

• Every calculator's formula against current RBI / SEBI / IT-Act rules
• Bank-rate, MF, and tax-slab data accuracy
• Compliance with AMFI / SEBI distribution norms

Disclosure

I am an AMFI Registered Mutual Fund Distributor (ARN-286359). I earn commission on mutual fund transactions made through my distribution. I do not charge any advisory fees. I am not a SEBI Registered Investment Adviser; my content is educational and does not constitute personalised investment advice.