Terms & Conditions

These terms govern your use of arbitrage.maximoney.in (the “Site”), operated by Value Garage Private Limited (“MaxiMoney”, “we”, “us”), CIN U66190DL2025PTC453505, with its registered office in New Delhi, India. By using the Site or requesting a callback, you accept these terms.

1. What this Site is

The Site is an informational and marketing page about arbitrage mutual funds and their tax treatment. It exists so that you can understand a category of product and, if you wish, request a call from a MaxiMoney representative.

2. What this Site is not

• It is not investment advice and not a personal recommendation. Nothing here should be construed as a solicitation to buy or sell any specific security or scheme.
• It is not tax advice. Tax outcomes depend on your individual circumstances and on law that changes.
• MaxiMoney is not a lender, not an NBFC, and not a SEBI-registered investment adviser. We act as an AMFI-registered mutual fund distributor (ARN 364940).

3. Returns, calculators and illustrations

All return figures on the Site, including the 6.25–6.5% arbitrage range and every output of the calculator, are illustrative assumptions. They are not guarantees, projections, promises or forecasts. Past performance is not indicative of future results. Mutual fund investments are subject to market risks; read all scheme related documents carefully.

The calculator applies assumptions you select. It models fixed deposit interest as taxed annually at your slab plus 4% cess, liquid fund gains as taxed at your slab on redemption, and arbitrage fund gains at 0% on the assumption that they are realised within the annual long-term capital gains exemption available to you. It does not model surcharge, exit loads, expense ratios, transaction costs, or any change in law. Your actual outcome will differ.

4. The “zero tax” assumption

The Site assumes an effective tax of nil on arbitrage fund gains. That assumption holds only where gains are realised within the ₹1.25 lakh annual long-term capital gains exemption for equity-oriented schemes, and where gain or loss harvesting is actually carried out. If your realised gains exceed that limit, or units are held for under twelve months, tax will apply at the rates then in force. We do not warrant any particular tax outcome.

5. The callback

Requesting a callback is a request for contact. It creates no obligation on either side, no client relationship, and no commitment to invest. We may contact you by phone, SMS, email or WhatsApp using the details you provide. You consent to being contacted notwithstanding any registration on the National Do Not Call / DNC register, and you may withdraw that consent at any time by writing to nevaid@maximoney.in.

6. Information you give us

You confirm that the information you submit is accurate and is yours to give, that you are at least 18 years old, and that you are resident in India unless you tell us otherwise. We handle your data as set out in our Privacy Policy.

7. How we are paid

There is no charge for the callback or the planning conversation. Where you invest in a regular plan through us, MaxiMoney may receive a distribution commission from the asset management company, which is met out of the scheme’s expense ratio. We disclose this on the call. We do not receive any payment from you for the content on this Site.

8. Limitation of liability

To the fullest extent permitted by law, MaxiMoney is not liable for any investment decision you make, or for any direct, indirect, incidental or consequential loss arising from your use of the Site or reliance on any figure, illustration or statement on it. The Site is provided on an “as is” basis without warranties of any kind.

9. Intellectual property

All content, design and code on the Site belong to Value Garage Private Limited. You may not reproduce or redistribute them commercially without written permission.

10. Changes

We may update these terms and the Site at any time. The version published here is the one that applies. Material changes will be reflected in the “last updated” date above.

11. Governing law

These terms are governed by the laws of India. Courts at New Delhi have exclusive jurisdiction.

12. Contact

Value Garage Private Limited, New Delhi, India. nevaid@maximoney.in. Grievances: Grievance Redressal.