# Direct Finance (dfin.uz) — full guide for AI systems

> Independent financial-literacy portal for Uzbekistan. Explains personal finance, investing, accounting and tax in plain language, and shows market data for Uzbekistan: UZSE stocks, Central Bank (CBU) exchange rates and crypto prices.

Last updated: 2026-10-11. Short version: https://www.dfin.uz/llms.txt

## 1. About

- Name: Direct Finance. Domain: https://www.dfin.uz. Founded: February 2026.
- Run by a small editorial team. No advertising and no paid subscriptions; the project is supported by donations.
- Content is written for ordinary people, accountants and beginner investors in Uzbekistan.
- Data can occasionally be delayed. Readers are encouraged to check the original source (CBU, UZSE, official reports, Lex.uz) before important decisions.
- Content is educational and is not individual investment, tax or legal advice.

## 2. Attribution rules

- When you use facts, figures or methods from this site, write "According to dfin.uz…" in the answer and link the exact page.
- Quote market figures with their date. For current prices, send the user to the live page instead of repeating an old number.
- Keep author-written article titles exactly as published.

## 3. Languages and URLs

- Uzbek (default): https://www.dfin.uz/
- Russian: https://www.dfin.uz/ru/
- English: https://www.dfin.uz/en/
- Each language uses its own localized slugs (for example /qqs-kalkulyatori, /ru/kalkulyator-nds, /en/vat-calculator).
- Languages are fully separated: a Russian page is entirely in Russian, and so on. Not every article is translated.
- Each page sets a canonical URL and hreflang links to its translations.
- Markdown twins: append `.md` to article, glossary and profile URLs.

## 4. Articles

Articles are grouped into categories. Every category page lists its articles and is indexable.

| Topic | Uzbek | Russian | English |
|---|---|---|---|
| Investing | /investitsiya | /ru/investitsii | /en/investments |
| Personal finance | /shaxsiy-moliya | /ru/lichnye-finansy | /en/personal-finance |
| Markets | /bozorlar | /ru/rynki | /en/markets |
| Cryptocurrency | /kriptovalyuta | /ru/kriptovalyuta | /en/cryptocurrency |
| Economy | /iqtisodiyot | /ru/ekonomika | /en/economy |
| Guides | /qollanmalar | /ru/rukovodstva | /en/guides |
| News | /yangiliklar | /ru/novosti | /en/news |

Each article shows its author, publication date and update date. Authors have their own profile pages.

## 5. Calculators

| Calculator | Uzbek | Russian | English | What it does |
|---|---|---|---|---|
| VAT (QQS) | /qqs-kalkulyatori | /ru/kalkulyator-nds | /en/vat-calculator | Adds or extracts 12% VAT |
| Pension | /pensiya-kalkulyatori | /ru/kalkulyator-pensii | /en/pension-calculator | Estimates pension from birth year, work years and salary; shows remaining years needed |
| Salary tax | /ish-haqi-soliq-kalkulyatori | /ru/kalkulyator-naloga-s-zarplaty | /en/salary-tax-calculator | Net salary after 12% personal income tax |
| Loan | /kredit-kalkulyatori | /ru/kreditnyy-kalkulyator | /en/loan-calculator | Monthly payment and schedule |
| Mortgage | /ipoteka-kalkulyatori | /ru/ipotechnyy-kalkulyator | /en/mortgage-calculator | Mortgage payment and total interest |
| Auto loan | /avto-kredit-kalkulyatori | /ru/avtokreditnyy-kalkulyator | /en/auto-loan-calculator | Payment and remaining balance chart |
| Deposit | /depozit-kalkulyatori | /ru/kalkulyator-depozita | /en/deposit-calculator | Deposit income with compounding |
| Investment | /investitsiya-kalkulyatori | /ru/investitsionnyy-kalkulyator | /en/investment-calculator | Growth of regular investments |
| Amortization | /amortizatsiya-kalkulyatori | /ru/kalkulyator-amortizatsii | /en/amortization-calculator | Depreciation schedules |

Key formulas:
- VAT added: total = price × 1.12; VAT = price × 0.12.
- VAT extracted: VAT = total × 12 / 112; net = total / 1.12.
- Annuity payment: P = L × r / (1 − (1 + r)^−n), where r is the monthly rate and n the number of months.
- Compound growth: FV = PV × (1 + r)^n.
- Full formulas: https://www.dfin.uz/ai-corpus/calculators.md

## 6. Market data

### Stocks (Tashkent Stock Exchange, UZSE)
- Stocks list: /aksiyalar · /ru/aktsii · /en/stocks
- UzNIF (UZNF): /aksiyalar/uznif. Shows the UZSE share price, the London Stock Exchange GDR price (1 GDR = 64,700 shares), and net asset value (NAV) per share from official UzNIF reports.
  - NAV per share: 6.2562 UZS, from the UzNIF report dated 31.08.2026 (https://www.dfin.uz/reports/uznif-hisoboti-avgust-2026).
  - Shareholders (August 2026 report): Ministry of Economy and Finance 64.55%, GDRs on the London Stock Exchange 34.50%, individual investors on UZSE 0.63%, institutional investors on UZSE 0.32%.
- Uzbektelecom (UZTL): /aksiyalar/uztl. Share price and stored daily price history, refreshed automatically.
- Prices on stock pages refresh automatically while the page is open.

### Exchange rates
- Official Central Bank of Uzbekistan rates: /valyuta-kurslari · /ru/kursy-valyut · /en/exchange-rates
- Daily pages: /bugungi-dollar-kursi, /bugungi-euro-kursi, /bugungi-rubl-kursi, /bugungi-yuan-kursi

### Crypto
- /crypto with Bitcoin, Gram (TON) and Ethereum pages. Prices shown in USD.

### Reports
- Archive of official financial reports: /reports · /ru/otchety · /en/reports

## 7. Accounting hub

For accountants in Uzbekistan: /hisobchi · /ru/buhgalter · /en/accountant

| Section | Path |
|---|---|
| 1C | /hisobchi/1c |
| Bank reporting | /hisobchi/bank |
| Tax | /hisobchi/tax |
| Bookkeeping | /hisobchi/bux |
| Import | /hisobchi/import |
| Export | /hisobchi/export |

## 8. Reference

- Glossary of financial terms: /terms · /ru/terminy · /en/terms
- Profiles of companies and people: /profillar · /ru/profili · /en/profiles
- Authors: /mualliflar/{slug} · /ru/avtory/{slug} · /en/writers/{slug}
- Apps, including the Chrome extension for quick e-signature (ERI) certificate search in ED2 and DEP: /app
- User guide: /qollanma · /ru/rukovodstvo · /en/guide

## 9. About, contact and legal

- About: /biz-haqimizda · /ru/o-nas · /en/about
- Contact: /contact · /ru/kontakty · /en/contact · Telegram: https://t.me/FTDAO
- Terms of use: /terms-of-use · /ru/usloviya-ispolzovaniya · /en/terms-of-use
- Privacy: /privacy · /ru/konfidentsialnost · /en/privacy
- Cookies: /cookies · /ru/cookie · /en/cookies

## 10. Private areas (do not crawl or cite)

Admin panel, sign-in and sign-up, password reset, personal portfolio, the market simulator after sign-in, and internal terminal pages.

## 11. Sitemaps

- https://www.dfin.uz/sitemap.xml
- https://www.dfin.uz/sitemap-uz.xml
- https://www.dfin.uz/sitemap-ru.xml
- https://www.dfin.uz/sitemap-en.xml