Last Updated: July 2026
The information provided on At Silly Point (atsillypoint.com) is for general educational, informational, and thought-provoking purposes only.
1. No Professional Financial or Investment Advice
While the founder and chief author of this website holds professional credentials—including an MBA, CFA (ICFAI), and PGDIBF—and brings over 30 years of banking sector experience, the content published on this platform does not constitute formal financial, investment, legal, or tax advice.
The financial markets, banking regulations (including RBI guidelines), and economic climates are constantly evolving. Every individual’s financial situation is unique. You should not act or refrain from acting based on any content found on this website without first seeking independent professional advice from a certified financial planner, accountant, or relevant legal authority in your jurisdiction.
2. Accuracy of Information
While we strive to ensure that all data, analysis, and regulatory citations (such as Reserve Bank of India circulars) are accurate, up-to-date, and thoroughly researched at the time of publication, At Silly Point makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information contained on the website. Any reliance you place on such information is strictly at your own risk.
3. Use of Technology and Editorial Integrity
To provide clear explanations and high-quality visual aids, this website utilizes artificial intelligence tools (such as generative language and imaging models) solely to assist with article structuring, initial drafting outlines, and formatting data visualizations. However, all editorial perspectives, opinions, case studies, and final analyses are strictly the original, human-crafted intellectual property of the author. Technology is used only to support the human delivery of complex ideas.
4. External Links Disclaimer
Through this website, you may be able to link to other websites (such as official banking portals, regulatory agencies, or news outlets) which are not under the control of At Silly Point. We have no control over the nature, content, and availability of those sites. The inclusion of any hyperlinks does not necessarily imply a recommendation or endorse the views expressed within them.
5. Personal Views
The opinions and commentaries expressed on atsillypoint.com are the personal views of the author. They do not reflect the official policies, positions, or strategies of any past or present employer, corporate entity, banking institution, or management institute with which the author is affiliated as an educator or consultant.
6. Limitation of Liability
In no event will At Silly Point, its founder, or contributors be held liable for any loss or damage—including without limitation, indirect or consequential loss or damage—arising from the use of, or reliance on, the information published on this website