Risk Disclosure

• Credit risk. The issuer can fail to pay a coupon or repay principal. A credit rating is an opinion, it is not a guarantee, and ratings are downgraded.
• Interest rate risk. If rates rise, the market value of a bond you already hold falls. That only crystallises as a loss if you sell before maturity — but if you need the money early, it is a real loss.
• Liquidity risk. Many Indian bonds trade thinly. Selling before maturity can mean accepting a worse price than the screen suggests, or waiting.
• Reinvestment and call risk. A callable bond can be redeemed early, usually when rates have fallen — precisely when reinvesting the proceeds is least attractive.
• Inflation risk. A fixed coupon that looked comfortable can lose to inflation over a long tenure.
• Tax treatment can change. The after-tax comparison on our bonds page reflects rules as we understand them today. Tax law changes, and your slab is yours to confirm with a qualified adviser.

This is the highest-risk thing we deal in. It suits money you can leave alone for years and would not be derailed by losing.

• Unregulated instruments. Unlisted shares are not traded on a recognised exchange and are not subject to exchange oversight, circuit limits or investor protection mechanisms that apply to listed stock.
• Illiquidity. There is no guaranteed buyer. Exiting means finding a counterparty, which can take weeks or considerably longer if sentiment turns.
• A listing is never assured. Companies stay private far longer than forecast and some never list at all. Do not size a position on the assumption of an IPO date.
• Thin price discovery. Quotes are negotiated on limited volume, not printed by an exchange. Spreads between buying and selling prices can be wide.
• Limited disclosure. Private companies publish far less than listed ones, and later than they do. You will be deciding on less information.
• Total loss is possible. Equity in a private company can go to zero, and unlike a listed holding you may not be able to sell on the way down.

• Sanction is the lender's call. Labdhi arranges and advises; we do not lend. Approval, the final rate, the amount and every condition are decided by the lender on your profile, and any rate shown on this site is indicative only.
• Floating rates move. An EMI calculated at today's rate is not a fixed commitment. If the benchmark rises, your EMI or your tenure rises with it.
• Security is at risk. Default on a secured loan and the lender can enforce against the asset — the property, or the shares and mutual funds pledged for a loan against securities.
• Loan against securities carries a margin call. If the pledged portfolio falls in value, the lender can demand you top up the collateral or repay early, and can sell the pledged holdings if you do not. This can force a sale at exactly the wrong moment.
• Charges beyond the rate. Processing fees, prepayment penalties on fixed-rate and business loans, insurance requirements and legal costs all change the real cost of borrowing. Read the sanction letter — we will read it with you.

Nothing on labdhiwealthcare.com is an offer, a solicitation, or a personal recommendation to buy or sell any security. The calculators are illustrative tools that use the assumptions stated alongside them, and they will not match a real quote exactly.

Any recommendation we make to you personally happens after we have understood your circumstances — not on a web page written for everybody.

Read the offer document, information memorandum, term sheet or sanction letter in full. Ask us what you do not understand; that is what the desk is for. Where tax treatment matters to your decision, confirm it with a qualified tax adviser rather than relying on a general illustration.