Editorial Policy

1. What we publish

Oquilia publishes two kinds of thing, and we try never to let them blur. The first is tools — calculators that apply a published formula to numbers you enter. The second is journalism — reporting and analysis about money in India, including investigations into lenders and listed companies.

Both are held to the same standard: state the source, state the date it was checked, and make the working auditable rather than asking to be trusted.

2. Sourcing

We start from the primary record: court judgments and orders, regulators' own publications (RBI, SEBI, IRDAI, MCA, CBDT), exchange filings, audited annual reports, and the subject's own documents and correspondence. Where a figure comes from a filing, we cite the filing.

Our investigations do not rely on leaks, insider material or anonymous sourcing. This is a deliberate constraint: it narrows what we can report, and it means what we do report can be checked by any reader against the same public documents.

3. Findings and analysis are never blurred

Where a court or a regulator has ruled, we say so and attribute it precisely. Where we are reading a pattern in the filings ourselves, we label it as analysis and as a red flag — not as an adjudicated finding.

Allegations that have not been tested are described as allegations, and are not converted into assertions of fact by phrasing. Except where a court or regulator has expressly ruled, nothing we publish is a finding of wrongdoing against any company or individual.

4. Bylines: why we use desks, not invented people

Our journalism is published under desk bylines — Oquilia Research Desk, Oquilia Editorial and Oquilia Newsroom — and each desk page states what that desk covers.

We think this is the honest option for a publication of our size. The alternative many sites choose is to invent bylines with impressive-sounding credentials attached. We consider that misleading, and in India several of those designations (CA, CFA, CFP, IRDAI registration) are legally protected. We do not claim any credential the publication does not actually hold.

The trade-off is real and we accept it: a desk byline gives you less to go on than a named, credentialled author would. What we offer instead is the working — the sources, the formula and the date of last verification on the page itself.

5. How the calculators are verified

Each calculator states the primary source its formula is checked against and the date it was last verified. Statutory inputs — tax slabs, deduction limits, the repo rate, small-savings rates — are held in one place and carry the date of the official notification they came from.

Rates that their publishers revise on a schedule carry the date of the next expected revision, and an automated check fails our build once that date passes, so a rate cannot quietly go stale between revisions. The calculation libraries are covered by tests whose expected values are derived independently from the statutory formula rather than captured from our own output.

None of this makes a calculator a substitute for advice about your specific circumstances. See our financial disclaimer.

6. Right of reply

Every subject of our reporting can respond, before or after publication. Where a company or individual answers us, we publish their response — in full where length allows, and fairly summarised where it does not. Where they decline or do not reply, we say that too.

If you are the subject of something we have published and believe it is inaccurate, write to editor@oquilia.com. See our corrections policy for how we handle it.

7. Independence

Oquilia carries no advertising and earns no affiliate commissions. No company we cover can pay for placement, for a better score, or for a story not to run. The full position, including a house-ad arrangement that ran briefly in July 2026 and was withdrawn, is set out on our editorial independence page.

8. Complaints

Editorial complaints go to editor@oquilia.com. Complaints that are not resolved there, and any complaint you would prefer to raise formally, can be escalated through our Grievance Redressal Policy, which sets out the process and timelines.