Last updated: June 2026. By using emi-elly, you agree to these terms.
By accessing or using emi-elly ("the Service") at emielly.com, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Service.
emi-elly provides free, browser-based EMI (Equated Monthly Instalment) calculators for home loans, personal loans, car loans, education loans, gold loans, and business loans. The Service is provided for informational and planning purposes only.
emi-elly is not a bank, non-banking financial company (NBFC), financial advisor, broker, or any form of regulated financial institution. Nothing on this website constitutes financial, investment, legal, or tax advice.
All calculation results are indicative estimates. Actual EMIs, interest rates, fees, and loan terms are determined solely by your chosen lender. Always verify details with your bank or financial institution before making any financial decision.
We use the standard reducing-balance EMI formula used by Indian banks and RBI-regulated NBFCs. While we strive for accuracy, we make no warranty, express or implied, regarding the correctness, completeness, or fitness of any calculation for a particular purpose.
Results may differ from your actual loan offer due to variations in lender processing, rounding conventions, floating rate adjustments, and other lender-specific terms.
All content, design, code, and materials on emi-elly are the property of emi-elly and are protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.
emi-elly displays advertisements served by Google AdSense. We are not responsible for the content of third-party advertisements. Clicking on ads may take you to external websites governed by their own terms and privacy policies.
The Service may contain links to external websites. emi-elly has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party sites.
To the maximum extent permitted by law, emi-elly shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Service or reliance on any calculation results, including but not limited to financial loss, loan rejection, or missed opportunities.
We reserve the right to modify these Terms at any time. Continued use of the Service after changes are posted constitutes your acceptance of the revised Terms. The date at the top of this page indicates the most recent update.
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in India.
For questions about these Terms, contact us at: legal@emielly.com