Acceptance
By using this website you agree to these terms. If you do not accept them, please do not use the site.
What this website is
This website is an information resource operated by 25 Carat Wealth, a sole proprietorship of Padmashini Pathak, AMFI Registered Mutual Fund Distributor (ARN-172683). It describes the services we offer and provides general educational content and planning calculators.
What it is not
Nothing on this website is a personal recommendation, an offer, or a solicitation to buy or sell any security, insurance policy or deposit. Content is general and does not take account of your objectives, financial situation or needs. We are not acting as your adviser merely because you have read this site.
We are a distributor, not a SEBI-registered Investment Adviser, Portfolio Manager or Research Analyst. See our regulatory disclosures.
Calculators
The calculators produce arithmetic illustrations from the assumptions you enter. They apply simplified models: returns are treated as constant, and tax, exit loads, expense ratios and transaction costs are not deducted unless explicitly stated. Real outcomes will differ.
No output from any calculator is a forecast, a guarantee or advice. Do not make a financial decision on the basis of a number produced here without speaking to us or another qualified professional.
Accuracy
We take reasonable care over the accuracy of this site, but we do not warrant that it is complete, current or error-free. Regulations, tax rules and product features change, and pages may not be updated immediately. Where this site conflicts with an official scheme document, policy wording or regulatory circular, that document prevails.
Third-party links
Links to external sites are provided for convenience. We do not control them and are not responsible for their content, accuracy or privacy practices.
Limitation of liability
To the extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, this website — including investment losses, loss of profit, or indirect or consequential loss. Nothing in these terms limits any liability that cannot lawfully be limited, including liability for fraud.
Intellectual property
The content, design, logo and brand name of 25 Carat Wealth on this website belong to us. You may read, download and print pages for your own personal use. You may not republish, sell or exploit them commercially without our written permission.
Availability
We do not guarantee uninterrupted access. The site may be unavailable during maintenance or because of circumstances outside our control.
Governing law
These terms are governed by the laws of India, and the courts of India have exclusive jurisdiction over any dispute arising from them.
Changes
We may update these terms. The version published on this page at the time you use the site is the version that applies.
Contact
Questions about these terms: connect@25caratwealth.com · +91-7900-844-844
Mutual fund investments are subject to market risks — read all scheme related documents carefully. Last reviewed: 2026.