Showing 24 of 1,240 fact checks
False
Mutual funds · Regulation
"India's mutual fund industry guarantees 12% annual returns on equity SIPs"
No mutual fund in India is legally permitted to guarantee returns. SEBI regulations explicitly prohibit such claims. Historical SIP data shows average 10-year CAGR of 10–14%, with significant variance across funds and periods — and this figure excludes years of negative returns.
Confidence
94%
Crypto · Influencer
"Elon Musk personally endorsed this new crypto token on X"
No such endorsement exists. The posts circulating on social media use edited screenshots and AI-generated audio. Musk's official accounts contain no mention of this token.
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Economic data · Government
"India's inflation is the lowest it has been in 10 years"
CPI inflation in March 2026 was 4.1% — lower than recent peaks but not a 10-year low. The claim selectively ignores 2016-17 data where inflation dipped below 3%.
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Stocks · Fintech
"Zero-commission brokers earn revenue by selling order flow to market makers"
Payment for order flow (PFOF) is a confirmed practice among major zero-commission brokers globally. SEBI has started scrutinising this practice in India.
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Personal finance
"Investing in small-cap funds is always riskier than large-caps over any time horizon"
Risk is time-horizon dependent. Over 10+ year periods, small-cap funds in India have historically shown lower downside risk relative to returns generated, compared to some large-cap peers.
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Startup · VC
"This startup raised $50M Series B at a $500M valuation"
The funding round was structured with significant liquidation preferences and anti-dilution provisions. The headline valuation does not reflect the economic value available to common shareholders.
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Commodities · Stocks
"Gold has outperformed the Nifty 50 over the last 20 years"
In INR terms, gold returned ~11% CAGR vs Nifty 50's ~14.2% CAGR over the same period. The claim is true in USD terms but misleading for Indian investors who hold in rupees.
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Crypto · Misquote
"Warren Buffett said Bitcoin is the future of money in 2024"
Buffett has never made a positive statement about Bitcoin. His documented positions from 2018 through 2024 consistently describe cryptocurrency as non-productive and speculative. This is a fabricated quote.
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Personal finance · Finfluencer
"SIP always beats lump sum investing — proven by data"
SIP beats lump sum in falling markets but underperforms in rising markets. Academic research shows lump sum outperforms SIP approximately 2/3 of the time over 10+ year periods when market timing is removed.
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Real estate · Investment
"Real estate always appreciates — it has never lost value in any 10-year period in India"
NHB RESIDEX data shows multiple Indian cities recorded negative or near-zero real returns (adjusted for inflation) across various 10-year windows, particularly post-2013 in NCR and MMR markets.
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