Smarter money decisions, backed by real numbers.
Compare 107 credit cards, 65 loan offers and deposit rates from 25+ banks — with every figure sourced, dated and explained.
Everything you compare, in one place
Each category has a full hub with current rates, provider pages, calculators and the rules that matter.
Credit Cards21 lifetime-free107 cards · 17 issuersFees, reward value, lounge access and eligibility.
Loansfrom 6.75%7 loan typesHome, personal, car, education and gold loans.
Fixed Depositsup to 7.45%25 banksBank-wise FD and senior-citizen rates.
Recurring Depositsup to 7.25%26 banksSave monthly with guaranteed returns.
Savings Accountsup to 5.65%26 banksInterest, minimum balance, zero-balance.
Saving Schemes8.2% top ratePPF · SSY · SCSS · NSCSovereign-guaranteed small savings.
Gold & Silver₹147,470/10g43+ citiesDaily 24K, 22K gold and silver rates.
Mutual Funds₹87.07 lakh crore AUMSIP · lump sum · SWPFund categories and SIP planning.
Today’s key rates
Lowest loan rates, highest deposit rates, scheme rates and metal prices — each links to the full comparison.
| Loan | Lowest rate | Lender | EMI per ₹1 lakh | Compared |
|---|---|---|---|---|
| Home Loan | 7.10% | Indian Overseas Bank Home Loan | ₹781 (20 yr) | 17 lenders |
| Personal Loan | 9.99% | Axis Bank Personal Loan | ₹2,124 (5 yr) | 8 lenders |
| Car Loan | 7.45% | Canara Bank Car Loan | ₹2,001 (5 yr) | 8 lenders |
| Used Car Loan | 9.45% | PNB Used Car Loan | ₹2,098 (5 yr) | 8 lenders |
| Two-Wheeler Loan | 8.90% | Indian Bank Two-Wheeler Loan | ₹3,175 (3 yr) | 8 lenders |
| Education Loan | 6.75% | Union Bank Education Loan | ₹1,497 (7 yr) | 8 lenders |
| Gold Loan | 8.50% | Indian Bank Jewel Loan | ₹8,722 (1 yr) | 8 lenders |
| Product | Rate | Where / tenure |
|---|---|---|
| FD — highest (general) | 7.45% | Bandhan Bank · 2 – <3 years |
| FD — highest (senior citizen) | 7.95% | Bandhan Bank · 2 – <3 years |
| SBI FD — best | 6.45% | 444 days (Amrit Vrishti) |
| RD — highest | 7.25% | Bandhan Bank · 2 - <3 years |
| Post Office RD | 6.7% | 5 years · sovereign guarantee |
| Savings account (₹10 lakh) | 5.65% | IDFC FIRST Bank · large banks pay 2.50% |
| Scheme | Rate | Term |
|---|---|---|
| Public Provident Fund (PPF) | 7.1% | 15 years + 5-year extension blocks |
| Sukanya Samriddhi Yojana (SSY) | 8.2% | 21 years from opening (deposits for 15 years) |
| Senior Citizens’ Savings Scheme (SCSS) | 8.2% | 5 years, extendable in 3-year blocks |
| National Savings Certificate (NSC VIII Issue) | 7.7% | 5 years |
| Kisan Vikas Patra (KVP) | 7.5% | 115 months (9 years 7 months) |
| Post Office Monthly Income Scheme (POMIS) | 7.4% | 5 years |
| Post Office Time Deposit (TD) | 6.9% | 1, 2, 3 or 5 years |
| Employees’ Provident Fund (EPF) | 8.25% | Till retirement (58) |
Small-savings rates for July–September 2026 (Q2 FY 2026-27), set by the Ministry of Finance each quarter.
| Metal | Per gram | Standard unit | Change |
|---|---|---|---|
| Gold 24K (999) | ₹14,747 / g | ₹147,470 / 10 g | −0.11% vs previous day |
| Gold 22K (916) | ₹14,045 / g | ₹140,450 / 10 g | Jewellery standard |
| Silver (999) | ₹250 / g | ₹250,000 / kg | +0.00% vs previous day |
Indicative rates as of 26 September 2026, before GST (3%) and making charges.
Best credit cards by need
Ranked by base reward value after fees, from 107 cards we track. Terms checked 28 September 2026.
UPI spends on credit
View details Best lifetime freeTravellers wanting zero forex and lifetime-free
View details Best for travel Standard Chartered UltimateStandard Chartered · Mastercard Annual fee₹5,000Reward value3.33%High flat reward rate on all spends
View details Best for fuelLow-fee RuPay card with lounge and UPI
View details Best for shopping IndusInd Bank Pinnacle WorldIndusInd Bank Annual feeFreeReward value1.88%Online shoppers wanting 1.875% value with a one-time fee
View details Best premium HDFC Bank Diners Club Black Metal EditionHDFC Bank · Diners Club Annual fee₹10,000Reward value3.33%High spenders wanting uncapped-lounge premium card below Infinia
View detailsLoan rates at a glance
Lowest starting rate (dot) and median starting rate (tick) across 65 lenders. Your rate depends on credit score, income and lender.
Loans checked 27 September 2026. Floating-rate loans to individuals carry no prepayment penalty (RBI rule).
Top FD rates this month
Highest rate each bank offers on any tenure, for general and senior-citizen depositors.
- DICGC insures up to ₹5 lakh per depositor per bank
- Seniors usually earn 0.25–0.50% more
- Small finance banks pay more — spread large sums
From each bank’s official rate card (effective dates on each bank page).
Plan your EMI in seconds
Monthly EMI, total interest and a year-by-year balance — the same reducing-balance maths banks use.
- Pre-filled with today’s best home-loan rate + 0.5%
- See how tenure changes total interest
- Works for home, car, personal and education loans
Free financial calculators
No sign-up. The formula is shown on every page.
Latest articles & guides
Plain-English explainers on rules, charges, tax and your rights.
Saving SchemesPPF vs SSY vs NSC: Which Government Savings Scheme Should You Choose? 27 Sep 2026
Saving SchemesSenior Citizens’ Savings Scheme: A Complete Retirement-Income Guide 27 Sep 2026
Saving SchemesHow Small Savings Interest Rates Are Set Every Quarter 27 Sep 2026
Gold & SilverHow Gold Prices Are Set in India — From Global Price to Your Jeweller’s Bill 27 Sep 2026
Gold & Silver22K vs 24K Gold and BIS Hallmark HUID: A Smart Buying Guide 27 Sep 2026
Gold & SilverGold ETF vs SGB vs Digital Gold vs Physical Gold: Which Is Best? 27 Sep 2026Bank rate cards, MITCs, RBI circulars and government notifications — each page shows the source and date.
Reducing-balance EMI, quarterly FD compounding — the same formulas banks use, shown on the page.
Order comes from published rates, fees and reward value. Ads are labelled and kept separate.
Spotted an error? Tell us — we verify and correct quickly.
Protections every customer has
Rules that protect you when you borrow, save or use a card in India.
DICGC insures deposits per depositor per bank, including small finance and co-operative banks.
No foreclosure charges on floating-rate loans to individuals.
Report an unauthorised transaction within 3 working days and your liability is nil.
Lenders must show the all-in APR before you sign a retail loan.
Unresolved after 30 days? Complain free at cms.rbi.org.in or call 14448.
Verify a loan app or NBFC is RBI-regulated on RBI Sachet before sharing documents.
What does FinancePortal do?
FinancePortal is an independent comparison and information website. We compare 107 credit cards, loans from 65 lender offers, FD, RD and savings rates from 25+ banks, government saving schemes, gold, silver and mutual funds, and provide free calculators. We do not lend money, take deposits or sell financial products.
Which bank gives the highest FD rate right now?
Among the banks we track, Bandhan Bank offers the highest general FD rate at 7.45% (2 – <3 years). The highest senior-citizen rate is 7.95% at Bandhan Bank. Deposits are insured by DICGC up to ₹5 lakh per depositor per bank.
What is the lowest home loan interest rate today?
Home loan rates start from 7.10% (Indian Overseas Bank Home Loan). Most home loans are linked to the RBI repo rate, currently 5.25%, and the rate you get depends on your credit score, income and loan amount.
What is today’s gold rate?
24K gold is ₹14,747 per gram (₹147,470 per 10 g) and 22K is ₹14,045 per gram as of 26 September 2026. City rates differ slightly because of local taxes and jeweller margins.
Which government saving scheme gives the highest return?
Sukanya Samriddhi Yojana and the Senior Citizens’ Savings Scheme currently pay 8.2% p.a. and 8.2% p.a. respectively; PPF pays 7.1% p.a. tax-free. Rates are reset every quarter by the Ministry of Finance.
Is it safe to apply through FinancePortal?
We never ask for card numbers, OTPs, PINs, bank passwords or Aadhaar numbers. Always apply on the bank’s or lender’s official website or branch, and check whether a lending app is linked to an RBI-regulated entity on RBI Sachet.
How often are rates updated?
Deposit and loan rates are checked against official rate cards regularly, card terms were last checked 28 September 2026, and gold and silver rates are updated daily. Each page shows the date its figures were checked.
How does FinancePortal make money?
The site is supported by advertising (served by partners such as Google and always labelled). Advertisers cannot buy rankings or influence our reviews — see our Advertising Disclosure.
Find the right credit card in 60 seconds
Tell us how you spend — we rank 107 cards by what they’re really worth to you after fees.
Figures on this page come from the same data as our category pages: loans checked 27 September 2026, credit cards 28 September 2026, deposits 27 September 2026, gold & silver 26 September 2026. Always confirm the current rate with the provider before you apply or invest.