No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards
Seven per-product methodology pages — credit cards, loans, banking, mutual funds, insurance, brokers, and tax tools. Each has its own rubric because the products genuinely behave differently. This hub explains the principles common to all of them — editorial independence, data provenance, versioning, and no paid placements — then sends you to the page that matters.
Score depends on segment. Cashback is 70% net rewards rate; premium card is 50% realised lounge / dining value. NerdWallet-grounded, India-adapted.
Anchored to RBI MCLR + Repo-Linked-Rate disclosures + IBA loan price comparator. Effective APR matters more than headline rate.
DICGC ₹5L coverage scoped per-bank. Sovereign products separate scale because the safety floor is different.
Risk-adjusted returns over headline returns. SEBI 2018 scheme categorisation enforced. Expense ratio + tracking error in index funds.
IRDAI claim settlement ratio + claim-paid-on-time % weighted heaviest. Premium is the easy comparison; payout reliability is the real one.
SEBI SCORES complaint ratio + NSE/BSE technical-glitch logs over per-order fees. Expiry-day uptime is existential.
We don't analyse individual stocks. We list NSE-traded equities as reference data and point readers to SEBI-registered Research Analysts for actual analysis. Strongest defensive posture is the most explicit one.
Different framing — we don't rate products, we rate calculator quality. IT Act anchored. Budget-update SLA: 24 hours.
Credit-card cashback rate is meaningless to a home-loan borrower. Each product type has its own physics, and we publish a separate methodology for each — with weights and formulas chosen for that segment specifically.
Editorial analysts who set ratings are organisationally separated from the partnerships team. Affiliate compensation cannot influence score, rank, or recommendation. No paid placements anywhere in our rankings.
Every score is deterministic — same inputs always produce the same output. When we update a rubric, the previous version is archived and timestamped. You can audit our scoring trail.
Every numeric input we use — interest rate, claim ratio, expense ratio, complaint count — has a source URL and fetched-at timestamp. We refresh per source's update frequency (daily / weekly / monthly / annually).
We earn affiliate commissions when readers apply through our links. That revenue funds the editorial team. It does not — at any point, in any product type — change a score, rank, or "Our Take" verdict.
Editorial analysts are organisationally separate from the partnerships team. Affiliate availability is a UI decision ("Apply Now" button shown vs hidden) — it never reaches the rubric.
No bank, AMC, lender, broker, or insurer can pay to rank higher. The top-ranked product on every list is always the highest-scoring product by that segment's published rubric.
RBI Master Direction on Credit Cards · Issuer T&Cs · ICRA / CRISIL bank ratings · CIBIL / Experian bureau data
RBI MCLR + Repo-Linked-Rate disclosures · IBA loan price comparator · Lender T&Cs · CIBIL / Experian / CRIF / Equifax bureau data
DICGC ₹5L coverage list · RBI bank-rate disclosures · India Post sovereign-product circulars · Bank tariff schedules
AMFI scheme data · ValueResearch / Morningstar fund analytics · SEBI scheme categorisation · NSE/BSE active-client + glitch logs · SEBI SCORES portal
IRDAI annual report (CSR + claim-paid-on-time) · IRDAI consumer-grievance system · Insurer policy schedules + brochures
Income Tax Act + Finance Act amendments · CBDT circulars + clarifications · ITR forms (CBDT-released utility) · Cost Inflation Index notification · GST Council notifications
Beyond per-segment factor weights, we apply standardised adjustments where evidence warrants. These shift a product's score within ±1.0 stars.
Each per-product methodology page lists its specific adjustments and the magnitude per signal.