About Artha Research
Artha Research is the editorial and engineering team behind Artha Engine. We build decision-intelligence tools grounded in current Indian tax code, RBI norms, and SEBI regulations — and we verify every formula against primary sources before it ships. Every tool you use on this site has been reviewed, stress-tested, and documented by this team.
How our numbers stay honest
Every calculator on Artha Engine is grounded in primary sources. Nothing ships without being checked against authoritative data.
- Formulas verified against Income Tax Act (AY 2026-27)
- Interest assumptions cross-checked with RBI bulletins
- Investment returns sourced from AMFI + Value Research
- Every tool unit-tested with 190+ automated test cases
What we cover well
We deliberately focus on a narrow set of Indian personal finance decisions so we can go deeper than a generalist site.
- Indian home loan and EMI math
- Old vs new tax regime optimization
- Retirement corpus planning with inflation adjustment
- Cross-tool decision workflows and behavioural finance
How we review content
Every tool page and comparison page is published with a "Reviewed by" signature and a last-updated date. When tax slabs change, lender rates reset, or PPF rates are revised, we bump the review date and re-verify the math before pushing the change.
1. Primary source
Every formula cites an Act, regulator notification, or budget speech — not another calculator site.
2. Unit test
Every engine ships with golden-file tests — formulas, adapters, insight rules, and the shared profile store all run on every deploy.
3. Human review
An editor compares outputs against real-world examples before the tool goes live.