Legal & Financial Disclaimer

1. General Informational Use Only

All calculation engines, conversion algorithms, estimation charts, and editorial guides hosted on Jomi Hisab (https://jomihisab.com/) are engineered strictly for general planning, budgeting, and preliminary estimation purposes. While our algorithms observe official West Bengal land revenue standards (Banglarbhumi) and Indian Standards (IS Code), the results generated do not constitute certified legal, land surveying, or structural engineering certificates.

2. Government Property & Registry Valuations

Property deed stamp duty percentages, registration charges, and municipal mutation dues fluctuate according to official state circulars, local circle rates, and individual deed clauses. Property buyers, sellers, and family grantors are strongly advised to verify final financial assessments and e-challan amounts directly at certified Sub-Registrar offices, BL&LRO stations, or through the official WB e-Nathikaran portal.

3. Civil Construction & Material Tolerances

Calculations for TMT steel rebar weights, roof slab concrete mixes (M15, M20, M25), masonry red bricks, AAC blocks, and wall paint liters follow standardized nominal densities and dry-volume multipliers (such as 1.54 for concrete). Actual on-site material requirements may slightly vary due to:

• Manufacturer rolling tolerances (±3% to ±7% for steel rebars).
• Moisture content and sand bulking (15% to 20% volume expansion).
• On-site breakage, cutting waste, and shuttering alignment levels.

4. Financial & Mortgage Estimations

Home loan EMI amortization schedules and bank interest comparisons provided on our platform are derived from standard reducing balance formulas. Actual loan approvals, interest spreads, processing fees, and sanction terms are governed exclusively by the lending bank’s credit policies (such as SBI, PNB, HDFC, ICICI, and Bandhan Bank).

5. External Links & Third-Party Portals

Our website contains references and navigational links to external government portals and regulatory bodies. Jomi Hisab exercises no editorial control over the uptime, privacy policies, or data practices of these third-party platforms and assumes no liability for interactions conducted thereon.

6. Limitation of Liability

Under no circumstances shall Jomi Hisab, its administrators, or its contributors be held liable for any direct, indirect, incidental, or consequential economic losses or legal disputes arising from the use or inability to use the calculation tools provided.