# Is this money news real?
**A prompt pack and a one-page checklist.** Chillar Theory · v1.0 · 4 October 2026 · CC BY 4.0 · chillartheory.com/tools/is-this-money-news-real/

## What it does
It helps you trace a money headline, WhatsApp forward or post to the official body that owns each fact in it. The AI does the sorting. You do the checking.

## What it won't do
- It won't tell you whether to buy, sell or hold anything.
- It won't decide the verdict for you. You click the source and you fill in the table.
- It sends nothing to us. The prompts run in your own AI account. No signup.

## Known limits (read these first)
- An AI can invent a link that looks official. Click every link. Read the date on the page.
- If the AI answers from memory and doesn't send you to a source, treat that as a fail and ask again.
- An official page can lag a real announcement by a few hours. "Can't find it yet" is a fair verdict. Forwarding it anyway isn't.
- Tested by hand on the three claims below. The two-model test is logged in `test-notes.md`.

---

## Prompt 1: split the claim
```
I want to check a piece of money news. Don't tell me whether it's true.
Split the text below into separate factual claims. For each claim give:
the number, the date, and the body that would have announced it
(RBI, SEBI, CBDT, PIB, MoSPI, IRDAI, EPFO or other).
If a claim has no number or no date, say so.

Text: [paste the headline or forward here]
```

## Prompt 2: where to look
```
For each claim above, tell me which official page would confirm it
(for example: RBI press releases, SEBI press releases, a PIB release,
a gazette notification, the income tax department's site) and the exact
words I should search for on that site.
Don't answer from memory. Don't give me a link unless you're sure the
page exists; say "search the site" and give me the search words.
```

## Prompt 3: pressure check
```
List any phrases in the original text that push me to act fast or promise
an outcome (for example "guaranteed", "sure-shot", "RBI insider",
"act today", "last chance").
Then stop. If I ask whether to buy, sell or hold anything, refuse and
remind me that this is a fact check.
```

---

## The checklist (you fill this in)
For each claim from Prompt 1:

| Claim | Number | Date | Official source | What the source says | Verdict |
|---|---|---|---|---|---|
| | | | | | |

**Verdicts, pick one:**
- **Confirmed at source.** The official page says the same number and date.
- **Only in media.** News sites carry it, the official page doesn't yet.
- **Half true.** Right number, wrong reader. (Example: "UPI is now charged". True for merchants from 15 October 2026, false for customers.)
- **Contradicted.** The official page says something else.
- **Can't find.** No source. Don't forward.

**Before you forward anything:** one claim, one number, one date, one official page. If any of the four is missing, it stays in your drafts.

## Where the facts live
- **RBI** (rates, banks, payments): rbi.org.in, Press Releases
- **SEBI** (markets, funds, advisers): sebi.gov.in, Press Releases. A letter "from SEBI" can be checked by its document number on SEBI's site.
- **Income tax (CBDT):** incometaxindia.gov.in and incometax.gov.in
- **PIB** (any ministry's announcement): pib.gov.in
- **MoSPI** (inflation, GDP): mospi.gov.in
- **IRDAI** (insurance): irdai.gov.in
- **EPFO** (provident fund): epfindia.gov.in
- **AMFI** (mutual fund data): amfiindia.com

## Worked example
**The forward:** "RBI cut the repo rate to 5.00% on 1 October 2026."
1. **Prompt 1** gives one claim: number 5.00%, date 1 October 2026, owner RBI.
2. **Prompt 2** says: RBI press releases, search "Monetary Policy Statement".
3. **You click.** The RBI's statement of 5 August 2026 shows the repo rate at 5.25% and the next meeting on 5 to 7 October. There is no release dated 1 October.
4. **Verdict:** Contradicted.

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*This tool is for education only. It is not investment, tax or legal advice and does not recommend any security or product. Do your own research or consult a registered professional.*