Editorial Policy & Methodology
How WealthMinty researches, verifies, and publishes financial information. Last updated: July 2026.
At WealthMinty, we publish financial information that millions of Indians rely on every month — from gold and silver rates to mutual fund analysis and investment guides. Because this content falls under Your Money, Your Life (YMYL) topics, we hold ourselves to a strict editorial standard based on Google's E-E-A-T principles: Experience, Expertise, Authoritativeness, and Trustworthiness. This page documents exactly how we work.
1. Editorial Independence
WealthMinty's editorial content is produced independently of our advertising or affiliate partnerships. We may display ads via Google AdSense and earn affiliate commissions from partner platforms (such as mutual fund brokers), but these commercial relationships never influence our fund rankings, rate publications, calculator formulas, or guide content. We do not accept payment for placement in any ranking, comparison, or "best of" list. Read more in our Disclaimer.
2. Our Data Sources
Different sections of WealthMinty use different data sourcing methods. We are fully transparent about each:
📊 Mutual Fund Data (NAV, Returns, AUM)
Mutual fund NAV, returns (CAGR, absolute), expense ratios, and AUM are fetched programmatically from MFAPI.in — a free public API that mirrors the official Association of Mutual Funds in India (AMFI) database. Fund factsheets and benchmarks (Nifty 50 TRI, BSE 500 TRI, etc.) are referenced for category classification. This data is sourced directly from AMFI-compliant endpoints and reflects official AMC-reported figures.
🪙 Gold & Silver Rates — Important Disclosure
Gold and silver rates published on WealthMinty are indicative reference rates. Our editorial team manually researches and publishes these daily rates based on publicly available market data, including published bullion rates from recognized industry bodies (such as the India Bullion and Jewellers Association — IBJA), commodity exchange signals (such as MCX), international benchmarks (such as LBMA), and prevailing retail jeweller pricing.
Please note: These rates are indicative and for informational purposes only. They may differ from the official benchmark rate published by IBJA on a given day, from live commodity exchange prices, and from the rate quoted by your local jeweller (which includes making charges, wastage, GST, and local margins). Always confirm the exact transaction rate with your jeweller before buying or selling.
🧮 Financial Calculators
All calculators (SIP, EMI, FD, RD, lumpsum, SWP, income tax, gold price, gold loan LTV, SGB) use standard, publicly verifiable financial mathematics — compound interest, amortization, and amortization formulae aligned with established financial textbooks and Reserve Bank of India (RBI) and Income Tax Department guidelines. Calculator outputs are mathematical estimates, not guarantees of future returns.
3. Research & Fact-Checking Process
Every article and guide published on WealthMinty follows a structured editorial process:
- Research: Topics are selected based on real user search demand and topical gaps in the Indian personal finance space. Each article is backed by verifiable data from SEBI-registered sources, RBI publications, AMFI records, fund factsheets, and the Income Tax Department.
- Drafting: Content is drafted by our Research Desk, which includes data analysts and personal finance researchers with over 10+ years of combined experience.
- Fact-Check: Fund names, return percentages, tax slabs, regulatory limits (e.g., Section 80C limits, RBI LTV caps), and historical rate figures are cross-verified against the original official source before publication.
- Review: Every piece is reviewed for mathematical accuracy, regulatory correctness, and clarity before going live.
4. Update Frequency
| Content Type | Update Frequency |
|---|---|
| Gold & Silver Rates (India, cities) | Daily (excluding weekends & public holidays) |
| Mutual Fund NAV & Returns | Monthly (via MFAPI/AMFI refresh) |
| Investment Guides & Fund Rankings | Quarterly or upon major regulatory change |
| Tax Rules & Calculator Logic | As needed (within 30 days of any Union Budget or RBI change) |
| Gold/Silver Loan Rates by Bank | Monthly |
Each page displays a "Last updated" date so readers always know how current the information is.
5. Corrections Policy
Despite our best efforts, errors can occur — financial data changes daily and regulations evolve. If you spot any of the following, please report it to us immediately:
- A gold or silver rate that does not match the prevailing market rate in your city
- An outdated mutual fund return figure, expense ratio, or fund name
- An incorrect tax slab, deduction limit, or regulatory figure
- A calculator producing clearly wrong results
- A factual or grammatical error in any article
📧 Report an error: Email [email protected] with the page URL and a description of the issue. Our editorial team reviews and corrects verified errors within 48 hours. Material corrections include a dated correction note at the bottom of the affected page.
6. Advertising & Monetization
WealthMinty is a free platform. We monetize through:
- Google AdSense: Display advertisements served by Google. These use cookies as described in our Privacy Policy.
- Affiliate Partnerships: We may earn commissions when users sign up for financial products (such as mutual fund accounts) through our referral links. This comes at no extra cost to the user.
Editorial independence is non-negotiable.No advertiser, broker, AMC, or jeweller can pay to influence our rates, rankings, or guide content. Sponsored content (if any in the future) will be clearly labeled as "Sponsored" or "Promoted".
7. Not Financial Advice
WealthMinty is NOT a SEBI-registered investment advisor, broker, or portfolio management service. All content on this website is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a SEBI-registered advisor before making investment decisions. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
8. Use of Technology & Editorial Tools
Our editorial content is researched, written, and reviewed by our Research Desk using a structured editorial process. We leverage modern research, data-verification, and language-polishing tools to support our analysts' workflow — but every article undergoes human fact-checking and editorial review by a member of our Research Desk before publication. All numerical data, regulatory references, fund figures, and conclusions are independently verified against official sources before an article goes live. We do not publish content that has not passed this human review.
9. Contact Our Editorial Desk
Questions about our methodology, data sources, or a specific article? Email [email protected] or visit our Contact page. We respond to editorial queries within 48 hours.