Editorial Policy & Methodology

Where our information comes from

How we rank and compare

• Deposits are ranked by the highest published rate for deposits below ₹3 crore, with 1/2/3/5-year rates shown separately.
• Loans are ranked by the lowest published starting rate; we also show the maximum rate, fees and tenure because the starting rate is only available to the best profiles.
• Credit cards are compared by base reward value net of annual fee + GST at a stated yearly spend; category bonuses and caps are described on each card page.
• Nobody can pay to change a ranking. Where sources disagree we use the official figure and say so.

How often we update

Rate cards are re-checked regularly and whenever the RBI changes its policy rate. Every lender, card and scheme page shows the date of the underlying rate card and the date we last checked it. Government small-savings rates are updated each quarter when the Ministry of Finance notifies them.

Calculators

Calculators follow standard Indian conventions — reducing-balance EMI, quarterly compounding for bank deposits and RDs, simple interest for deposits under six months, RBI LTV caps for gold loans. Results are estimates; your lender’s figures may differ slightly because of day-count conventions, fees and rounding.

Corrections policy

1. ReportEmail us or use the Contact Us form with the page link and the correct information.
2. VerifyWe check the claim against the primary source.
3. FixConfirmed errors are corrected promptly; material corrections are noted on the page.

Independence & conflicts

Editorial content is written independently of advertising. Advertisements are served by third-party networks, are labelled “Advertisement”, and are kept visually separate from our content. Sponsored content, if ever published, will be labelled “Sponsored”.