Compare, Understand & Choose the Right Financial Products
Compare loans, credit cards, fixed deposits, insurance and other financial products from banks and regulated financial institutions. Get current rates, eligibility information, calculators and expert guides to make informed financial decisions.
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Seven product families, each with rate tables, eligibility rules and guides written for the way the product actually works in India.
Personal Loans
Compare rates, eligibility, fees and lenders.
12 lenders · from 9.99%
ExploreHome Loans
Compare home-loan rates, EMIs and lenders.
from 7.15% · LTV up to 90%
ExploreBusiness Loans
Explore financing options for businesses and self-employed borrowers.
Secured, CGTMSE, Mudra & flow-based
ExploreGold Loans
Compare gold-loan rates, LTV, per-gram value and lenders.
No credit check · same-day disbursal
ExploreCredit Cards
Compare cards based on rewards, cashback, fees and benefits.
Cashback, travel, fuel, UPI & secured
ExploreFixed Deposits
Compare FD interest rates, tenure and returns.
Bank-type rate bands · DICGC ₹5 lakh
ExploreInsurance
Explore health, life, motor and other insurance options.
Health, term life & personal accident
ExploreMake Better Financial Decisions With Our Free Tools
Run the arithmetic before a lender does. Every tool is free, needs no sign-up, and shows its working.
EMI Calculator
Monthly instalment, total interest and the full amortisation schedule for any loan.
OpenLoan Eligibility Calculator
What your income and existing EMIs actually support, before a lender pulls your file.
OpenLoan Comparison
Put lenders side by side on rate, fees, tenure and total cost — not just the headline rate.
OpenGold Loan Calculator
Per-gram advance, EMI and the LTV tier your pledge falls into at today’s rate.
OpenFD Calculator
Maturity value and effective yield across tenors, with senior-citizen premiums.
OpenPopular Financial Products in India
Indicative pricing across the seven families, drawn from the same lender data the detail pages use. Switch tabs to compare — nothing here is a paid placement.
Indicative unsecured personal-loan pricing at major banks and NBFCs. Your own quote depends on credit score, income and employer category.
| Lender | Interest rate | Loan amount | Tenure |
|---|---|---|---|
| HDFC Bank | 9.99%–24% | Up to ₹50 lakh | 1–6 years |
| State Bank of India | 10%–15% | Up to ₹35 lakh | up to 6–7 years |
| ICICI Bank | 9.99%–16.5% | Up to ₹50 lakh | Up to 72 months |
| Axis Bank | 9.99%–22% | Up to ₹50 lakh | Up to 84 months |
| Kotak Mahindra Bank | from 10.99% | Up to ₹1 crore | Up to 6 years |
| Bajaj Finserv | 10%–30.5% | Up to ₹55 lakh | 1–8 years |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all personal loansFloating home-loan rates start here for salaried borrowers with strong credit; the rate you are offered moves with your score, LTV band and loan size.
| Lender | Rate from | RBI LTV cap | Typical tenure |
|---|---|---|---|
| SBI | 7.25% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| HDFC Bank | 7.75% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| ICICI Bank | 8.5% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| Bank of Baroda | 7.2% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| PNB | 7.25% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
| Axis Bank | 8% | 90% up to ₹30L · 80% to ₹75L · 75% above | Up to 30 years |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all home loansGold-loan pricing is set by scheme and repayment structure rather than by your credit score — no CIBIL check applies on a pledge.
| Lender | Interest rate | Loan amount | Tenure |
|---|---|---|---|
| SBI | 8.75%–9.6% | ₹20,000 – ₹50 lakh | up to 36 months |
| PNB | 8.75%–9.25% | ₹25,000 – ₹25 lakh | up to 12 months |
| Bank of Baroda | 9%–9.4% | ₹25,000 – ₹50 lakh | up to 36 months |
| Canara Bank | 9%–9.25% | ₹10,000 – ₹35 lakh | up to 12 months; agri variants longer |
| HDFC Bank | 9.3%–17.9% | ₹25,000 – ₹1 crore+ | 3–42 months |
| ICICI Bank | 9.25%–18% | ₹50,000 – ₹1 crore | 6–12 months |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all gold loansMSME credit is priced by structure, not by lender brand. The spread between a secured bank facility and flow-based fintech credit is the widest in Indian lending.
| Facility | Interest rate | Collateral | Ticket size |
|---|---|---|---|
| Bank secured term / working capital | 9–14% | Property, FD or stock | ₹10 lakh – 50 crore |
| CGTMSE-covered bank loan | 10–15% + guarantee fee | None (guarantee) | Up to ₹5 crore |
| Mudra (Shishu → Tarun Plus) | 9–13% | None | ₹50,000 – 20 lakh |
| Loan against property (LAP) | 9–13% | Property | ₹10 lakh – 5 crore |
| NBFC unsecured business loan | 15–24% | None | ₹2 – 75 lakh |
| Fintech flow-based credit | 18–32% | None (GST/banking data) | ₹50,000 – 25 lakh |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all business loansCards are chosen by where your money actually goes, not by rank. Reward value only survives if the bill is cleared in full — revolving at 30–45% erases any category in one month.
| Card type | Typical reward rate | Typical annual fee | Best for |
|---|---|---|---|
| Entry-level / first card | 0.5–1.25% | ₹0–500, often lifetime-free | New-to-credit and salary-account holders |
| Flat cashback | 1.5–2% on everything | ₹0–999 | Spending you do not want to track by category |
| Online / co-brand | Up to 5% on partner spends | ₹500–1,000 | Amazon- or Flipkart-heavy households |
| Travel & lounge | 1–2% base, ~3.5% on travel | ₹1,000–5,999 | ₹1–8 lakh a year of routed spend |
| Fuel | 4–7% on fuel, 1% elsewhere | ₹500, usually waivable | Daily commuters |
| RuPay, UPI-linked | 1–2% on UPI QR spends | Free to low-fee | Kirana, chemist and QR-code spending |
| Secured against an FD | 1–2% | ₹0–500 | Building a score with no income proof |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all credit cardsThe gap between the lowest and highest FD rate open to the same saver on the same day routinely exceeds 1.5 percentage points. Deposit insurance is ₹5 lakh per bank, per depositor, everywhere.
| Institution type | 1-year | 2–3 years | 5 years |
|---|---|---|---|
| Large PSU banks | 6.25–6.90% | 6.50–7.00% | 6.25–6.75% |
| Large private banks | 6.60–7.10% | 6.75–7.25% | 6.50–7.00% |
| Small finance banks | 7.25–8.00% | 7.50–8.25% | 7.00–7.75% |
Senior citizens typically earn 0.25–0.75% above these bands. All figures indicative — verify at the bank before booking.
View all FD ratesIndicative annual premiums for healthy applicants buying online. Your own quote moves with age, city, medical history and declared occupation.
| Cover | Profile | Sum assured | Indicative premium/yr |
|---|---|---|---|
| Health | Individual, 25–30 | ₹10 lakh | ₹8,000–14,000 |
| Health | Family floater, 2A+1C (~32) | ₹10 lakh | ₹18,000–28,000 |
| Super top-up | Any of the above | +₹90 lakh over ₹10L | ₹4,000–8,000 |
| Term life | Non-smoker, age 30 | ₹1 crore | ₹11,000–16,000 |
| Term life | Non-smoker, age 40 | ₹1 crore | ₹22,000–32,000 |
| Personal accident | Earning adult | ₹50 lakh | ₹3,000–6,000 |
All rates are indicative and change without notice. Your own offer depends on your profile — confirm the final figure with the institution before you commit.
View all insurance guidesInstant Loan Apps, Compared
Digital lenders reviewed on rate, ticket size, fees and user experience — with the lending entity named for each, because an app that will not name its NBFC is the clearest warning sign in Indian digital lending.
| App | Max Loan | Interest Rate | Speed | Rating | Action |
|---|---|---|---|---|---|
HDFC Bank Pre-approved Personal Loan (Insta) bank | ₹40L | 9.99% – 24.00% p.a. | 10 seconds for pre-approved customers | 4 | Apply Now |
KreditBee fintechNBFC lending partners | ₹10L | 12.00% – 28.50% p.a. | Within 10 minutes | 4.5 | Apply Now |
mPokket fintechNBFC partners | ₹2L | 22.00% – 36.00% p.a. | Within minutes | 4.4 | Apply Now |
ICICI Bank Personal Loan bank | ₹50L | 9.99% – 16.50% p.a. | Within 3 seconds for pre-approved | 4 | Apply Now |
Stashfin fintechNBFC partners | ₹5L | 11.99% – 59.99% p.a. | Within minutes | 4.2 | Apply Now |
Showing 5 of 44 reviewed lenders
Read all lender reviews
Gold Rates & Gold Loans
The gold rate sets two numbers at once: what jewellery is worth, and how much it can borrow. Both update here daily — last revised 19 September 2026.
Gold Rate Today
Indicative national reference, ₹ per gram.
30-day trend: up ₹377 per gram (+2.5%) on 24K. At the RBI small-ticket cap, 22K jewellery currently supports about ₹10,561 of loan per gram.
City references today: Delhi ₹15,388 · Mumbai ₹15,373 · Chennai ₹15,463 · Kolkata ₹15,378
Gold Loan
No credit check, no income proof, same-day disbursal — and rates that start far below any unsecured loan.
- Gold loan interest rates
- Gold loan per gram value
- Gold loan eligibility
- Gold loan EMI calculator
- Loan amount calculator
- All gold loan lenders
Bank or NBFC? Banks price lower — roughly 8.65%–9.6% at the PSU end — but appraise on branch hours and lend on stricter purity rules. NBFCs cost more and move faster, with longer counters and doorstep pledging. The gold loan hub puts every lender's band, LTV tier and repayment structure side by side.
Latest Financial News & Updates
Rate moves, regulatory changes and lender news, written for people deciding what to do with their own money rather than for the trading desk.
The latest across every money category we track.
11:11 PM · 19 Sept 2026 Unlimited Health Insurance Plans: Five Checks on Exclusions and Waiting Periods Before You Buy Livemint reports that 'unlimited' health covers need a close look at exclusions and waiting periods. Here is how to read the fine print before you pay a premium. 10:12 PM · 19 Sept 2026 Shareholders Back ICICI Life Insurance Name for ICICI Prudential Life: What Policyholders Should Know Shareholders have approved a new name, ICICI Life Insurance, for ICICI Prudential Life, per scanx.trade. A name change does not by itself alter your policy, premium or claim rights. 
9:11 PM · 19 Sept 2026 Australia's NAB Launches Expedia-Powered Travel Platform: What It Means for Indian Card Holders NAB has launched NAB Travel in Australia using Expedia technology, per Nomad Lawyer. Indian card users can treat it as a template for judging any bank travel portal. 
8:11 PM · 19 Sept 2026 Home Loan EMI Affordability: What ₹50,000, ₹1 Lakh and ₹2 Lakh Monthly Incomes Can Safely Borrow As reported by Livemint, borrowers are being told to test EMIs against income. BankCreds works out the loan size a ₹50,000, ₹1 lakh or ₹2 lakh monthly income can carry without strain. 
7:12 PM · 19 Sept 2026 Personal Loan Balance Transfer: Costs to Check Before Switching Lenders Moneycontrol.com reports borrowers should check the numbers before switching personal loan lenders. Here is how to test whether a switch saves money once fees are counted. 
5:11 PM · 19 Sept 2026 Weak Monsoon Stokes Food Inflation Worries: What It Means for Your EMIs and FDs NDTV Profit reports that a weak monsoon is raising fresh concerns over crops and food inflation. Here is how that could reach your loan EMIs, FD returns and monthly budget. 4:11 PM · 19 Sept 2026 Health Insurance Claim Settlement Ratio Alone Won't Pick Your Insurer: What Buyers Should Check Too Business Today reports that claim settlement ratio is not enough to choose a health insurer. Here is what else to check before you buy or renew, with a worked example of a partial payout. 
3:11 PM · 19 Sept 2026 India Ratings Affirms IDBI Bank FD and CD Ratings: What It Means for Fixed Deposit Savers India Ratings has affirmed its ratings on IDBI Bank's fixed deposits and certificates of deposit, as reported by PSU Connect. Here is what an affirmation does and does not change for savers. Gold prices, per-gram loan values, lender rates and RBI rules for gold lending.
9:12 AM · 19 Sept 2026 Gold Loan Demand Rises as Record Gold Rates Lift Loan Values: What Borrowers Should Know Gold loan demand is surging across India as record gold rates raise what jewellery can borrow, according to Asianet Newsable. Here is what it means for borrowers and how to borrow safely. 
12:11 AM · 19 Sept 2026 India's Biggest Gold Loan Book Shows How Borrowers Behave: What It Means for You UdaipurTimes.com reports on what India's largest gold loan portfolio reveals about borrower behaviour. Here is what it means for your gold loan, from LTV and interest to repayment habits. 9:17 AM · 18 Sept 2026 Gold, Silver ETFs Jump 9% on Import Duty Hike: What It Means for Gold Loans Gold and silver ETFs rallied up to 9% after a reported import duty hike, per Goodreturns. Here's what it means for gold loan eligibility and interest costs. 9:12 AM · 17 Sept 2026 Instant Gold Loans for Education: How Top Indian Banks' Schemes Compare openPR.com highlights banks offering fast gold loans for education costs — here's how eligibility, LTV rules, rates and repayment structures actually compare. 12:11 AM · 17 Sept 2026 Gold Loans Are Fuelling India's Aspirations: What It Means for Borrowers Fortune India reports gold loans are powering everyday aspirations across India — here's how the market works, RBI's LTV rules, and what it means for borrowers today. 6:16 PM · 16 Sept 2026 Capri Global Launches 4-Day Vyapar Mahotsav Gold Loan Offer: What It Means for Borrowers Capri Global Capital has rolled out a four-day Vyapar Mahotsav gold loan promotion, according to Business Standard. Here's what festive gold loan offers usually include and how to evaluate one. 12:12 AM · 16 Sept 2026 Post-COVID Borrower Habits Are Reshaping Gold Loan Book Quality: What It Means News24online.com reports post-COVID shifts in borrower behaviour are reshaping gold loan portfolio quality - here's what it means for your repayment plan. 6:14 PM · 15 Sept 2026 Muthoot Finance Rolls Out Conversational AI, Gold-Loan Branch Visits Up 150% Muthoot Finance has deployed Blue Machines AI's conversational AI across branches, reportedly lifting gold-loan branch visits 150% -- here's what it changes, and doesn't, for borrowers. Rates, festive offers, credit-score shifts and unsecured-lending news.
7:12 PM · 19 Sept 2026 Personal Loan Balance Transfer: Costs to Check Before Switching Lenders Moneycontrol.com reports borrowers should check the numbers before switching personal loan lenders. Here is how to test whether a switch saves money once fees are counted. 
1:11 AM · 18 Sept 2026 On-Time EMIs, Falling Credit Score: The Hidden Factors Bureaus Track Paying every EMI on time doesn't guarantee a rising credit score — utilization, inquiries and credit mix can pull it down too, per Livemint. Here's what to check and fix. 7:11 PM · 16 Sept 2026 Small-City India Now Drives Personal Loan Demand Growth: What It Means for You Tier-2 and Tier-3 cities are now leading India's personal loan demand growth, per The Tribune — here's what smaller-city borrowers should check before applying. 10:13 AM · 16 Sept 2026 Loan Rejected Despite Good Credit Score? 7 Reasons Lenders Say No A good credit score doesn't guarantee loan approval. Moneycontrol.com reports lenders weigh income, existing debt and repayment capacity too. 1:11 AM · 16 Sept 2026 Forbes Ranks Best Fair-Credit Personal Loans For 2026: A Reality Check For India Forbes' 2026 ranking of personal loans for fair-credit US borrowers doesn't apply directly to India — but the credit-score pricing gap it highlights very much does. 7:13 PM · 15 Sept 2026 Bajaj Finance Personal Loans Start at 10% p.a.: What Borrowers Should Know Bajaj Finance is offering personal loans starting from 10% p.a., per reporting by theprint.in — here's what the rate band means for eligibility, EMIs and comparing offers. 10:14 AM · 15 Sept 2026 Why Many NRIs Have No CIBIL Score — and How to Build One in India Many NRIs discover they have no CIBIL score despite years abroad. Here's how to check it, why the file is often empty rather than bad, and how to build credit history for Indian loans. 
7:53 PM · 12 Sept 2026 A High Credit Score Doesn't Guarantee Home Loan Approval — Here's Why Reports say a borrower with a 780 credit score still had a home loan application rejected, and experts point to factors lenders weigh beyond the score alone. Repo-linked rates, EMIs, balance transfers and housing-finance news.
8:11 PM · 19 Sept 2026 Home Loan EMI Affordability: What ₹50,000, ₹1 Lakh and ₹2 Lakh Monthly Incomes Can Safely Borrow As reported by Livemint, borrowers are being told to test EMIs against income. BankCreds works out the loan size a ₹50,000, ₹1 lakh or ₹2 lakh monthly income can carry without strain. 7:12 PM · 18 Sept 2026 Non-Metro Home Prices Up 63% in 5 Years: What It Means for Your Home Loan 11 non-metro Indian cities saw home prices rise 63% over five years, per Business Standard, reshaping loan amounts, down payments and EMIs for buyers outside the metros. 
11:15 AM · 18 Sept 2026 Rs 40 Lakh Home Loan at 30 Years: Cheaper EMI Hides a Bigger Interest Bill A CA's warning, reported by The Economic Times, on why stretching a Rs 40 lakh home loan to 30 years cuts the EMI but can add lakhs in extra interest. 7:12 PM · 17 Sept 2026 SBI Flags RBI Rate Hikes: Home Loan EMIs May Rise for Borrowers SBI has flagged the possibility of further RBI rate hikes, according to urbanacres.in, which could push up EMIs for floating-rate home loan borrowers. 1:12 AM · 17 Sept 2026 US Bond Yields Spike on Sept 17: What It Means for Indian FDs, Home Loan EMIs US Treasury yields have spiked, per financialexpress.com; here's how that could filter through to Indian home loan EMIs and FD rates — and why it won't happen overnight. 2:14 AM · 16 Sept 2026 Why Indian Home Loan EMIs Cost More Than Global Mortgages: What Borrowers Can Do Indian home loan EMIs remain well above global mortgage costs, according to Realty Plus Magazine — here's why the gap exists and what borrowers can do to lower their EMI burden. 8:12 PM · 15 Sept 2026 Hybrid vs Floating Home Loans: When Paying for EMI Stability Is Worth the Cost Livemint compares hybrid and floating home loans; paying extra for a fixed EMI window can be worth it for tight budgets, though floating stays cheaper for most borrowers long-term. 
10:12 AM · 14 Sept 2026 Couple Skips Rs 1.5 Lakh EMI on Rs 3 Lakh Income: CA's Home Loan Math Explained A couple earning Rs 3 lakh a month reportedly declined a Rs 1.5 lakh EMI home loan offer, per ET. Here's the FOIR math banks use, and what it means for your eligibility. MSME credit, government schemes, working capital and SME lending news.
2:11 AM · 19 Sept 2026 Collateral-Free Business Loan Up to ₹2 Crore: How Guarantee-Free Funding Works for Small Businesses Times Bull reports on how businesses can borrow up to ₹2 crore without a guarantee. Here is how collateral-free lending works, what it costs and what lenders check first. 1:11 AM · 19 Sept 2026 MSME Loan Sanctioned in Madhya Pradesh, Yet No Funds or Machinery Arrive: What Borrowers Should Check A Madhya Pradesh borrower reportedly got an MSME loan sanction but neither money nor machinery. Here is how sanction and disbursement differ, and what to do if a loan stalls. 9:11 PM · 18 Sept 2026 Bhopal ₹10 Lakh MSME Loan Fraud Case: What Borrowers Should Check Before Signing Bhopal's Economic Offences Wing has booked bank officials and suppliers over a ₹10 lakh MSME loan fraud, per Free Press Journal. Here is what genuine borrowers should verify. 
9:05 PM · 12 Sept 2026 MSME Business Loan Providers in India: What a New 2026 Ranking Report Reveals Business Outreach Magazine has reportedly ranked India's leading MSME business loan providers for 2026 — here's what that means for small business owners comparing lenders. 2:55 PM · 12 Sept 2026 Collateral-free MSME credit keeps widening: what CGTMSE cover actually changes for a small business The credit-guarantee framework now covers loans up to ₹5 crore — but the working parts (who applies it, what it costs, what it does not protect) are still widely misunderstood by first-time borrowers. Digital lending rules, loan apps, disbursal norms and borrower protection.
11:12 AM · 16 Sept 2026 Navi's App-Based Instant Loan Model: What Borrowers Should Know Navi's app-first lending business is under fresh scrutiny; here's how its instant loan model works and what it means for Indian borrowers. 
11:13 AM · 15 Sept 2026 Centre, RBI Tighten Crackdown on Illegal Loan Apps: How to Verify a Lender Now The Centre and RBI have stepped up action against unauthorised digital lending apps, according to DD News; here's what it means for anyone comparing instant loan apps. 9:12 PM · 13 Sept 2026 FlexiLoans Instant Loan Approvals Vanishing After Click: What It Means for Borrowers Reports say FlexiLoans' instant loan approvals sometimes vanish before disbursal — here's what the gap between 'approved' and 'disbursed' actually means for Indian borrowers. 
9:12 PM · 12 Sept 2026 RBI Tightens Accountability for Digital Lending Algorithms RBI has reportedly moved to hold banks and NBFCs directly accountable for decisions made by digital lending algorithms, per Whalesbook. Here's what it means for instant and personal loan borrowers. 12:40 PM · 12 Sept 2026 Digital lending rules in 2026: the borrower protections every loan-app user should actually use Direct-to-account disbursal, Key Fact Statements, cooling-off windows and the Sachet complaint route — the protections exist; most borrowers simply never invoke them. Card fees, reward changes, RBI card rules and issuer news.
9:11 PM · 19 Sept 2026 Australia's NAB Launches Expedia-Powered Travel Platform: What It Means for Indian Card Holders NAB has launched NAB Travel in Australia using Expedia technology, per Nomad Lawyer. Indian card users can treat it as a template for judging any bank travel portal. 11:11 AM · 19 Sept 2026 Credit Card Reward Points vs Mutual Fund Fees: What Cardholders and Investors Actually Own Value Research compares credit card rewards with mutual fund costs. Reward points are a revocable perk; fund units are real assets whose returns shrink with every rupee of cost. 10:11 AM · 19 Sept 2026 Credit Card Rewards vs Annual Fee: How to Tell When a Card Actually Pays for Itself A reported Economic Times piece asks when card rewards justify the fee. Here is the break-even maths, the costs that erase rewards, and a checklist to audit your own card. 11:11 PM · 18 Sept 2026 HSBC Visa Platinum Card Is Lifetime Free: What 2 Points per ₹150 Means for Travellers HSBC's Visa Platinum credit card is reported as lifetime free, with up to 6X travel rewards and 2 points per ₹150 spent. Here is what that earns you and what to check before applying. 10:11 PM · 18 Sept 2026 Club Vistara IDFC FIRST Card Ends: Holders Get Lifetime-Free Diamond Reserve Card The Club Vistara IDFC FIRST Credit Card is being wound down, and cardmembers are to receive a lifetime-free Diamond Reserve Card, as reported. Here is what to check. 2:15 PM · 18 Sept 2026 Apple Pay Reportedly Launching in India Next Month via Axis Bank Cards: What It Means Apple Pay is reportedly set to launch in India next month, initially supporting Axis Bank credit cards, according to The Economic Times. 12:13 PM · 18 Sept 2026 FinMin Denies US Pressure in UPI MDR Rules: No Advantage for Foreign Credit Cards FinMin denies US pressure shaped a UPI MDR circular and says it gives foreign credit card networks no advantage; nothing changes for cardholders today. 10:13 AM · 18 Sept 2026 CBA Shifts Credit Card Rewards Into Yello: What It Means for Cardholders Commonwealth Bank of Australia is merging its credit card rewards into its Yello loyalty platform, per kalkine.com.au — mainly relevant to NRIs and CBA cardholders in Australia. FD rate changes, special schemes, small savings and deposit news.
3:11 PM · 19 Sept 2026 India Ratings Affirms IDBI Bank FD and CD Ratings: What It Means for Fixed Deposit Savers India Ratings has affirmed its ratings on IDBI Bank's fixed deposits and certificates of deposit, as reported by PSU Connect. Here is what an affirmation does and does not change for savers. 12:11 PM · 19 Sept 2026 555-Day FD Rates Reach Up to 7.50%: What Savers and Senior Citizens Should Check First Banks are advertising up to 7.50% on 555-day fixed deposits, per The Economic Times. Here is what that earns on real amounts, why it is a ceiling and how to compare offers safely. 4:11 AM · 19 Sept 2026 ED Freezes Rs 35.71 Crore Singapore Fixed Deposit: What It Means for Indian Savers The Enforcement Directorate has frozen a Rs 35.71 crore fixed deposit in Singapore, as reported by lokmattimes.com. Here is what it means for savers who hold or plan to hold money abroad. 3:11 AM · 19 Sept 2026 High Court Directs SBI to Refund Widow's Rs 19.90 Lakh Fixed Deposit: What FD Holders Should Know A High Court has ordered SBI to refund a widow's Rs 19.90 lakh fixed deposit, as reported by rediff.com. Here is what the case means for FD holders and how to protect your own deposits. 1:14 PM · 18 Sept 2026 Small Finance Banks Offer 8%+ FD Rates Ahead of RBI's MPC Meet: What It Means for Savers Select small finance banks are offering FD rates above 8% ahead of the RBI's MPC meet, per Business Today — here's what that rate gap is actually worth to savers. 6:13 AM · 18 Sept 2026 Auto-Sweep FDs Explained: How Idle Savings Account Money Can Earn More Interest Auto-sweep FDs move idle savings account balances above a set threshold into fixed deposits automatically, letting savers earn FD-level interest while keeping instant access to their money. 5:13 AM · 18 Sept 2026 SBI Told to Refund ₹19.90 Lakh in FD Case: What It Means for Depositors A High Court has reportedly ordered SBI to refund ₹19.90 lakh over an unauthorised FD deduction, per The420.in. Here's what FD holders should know about their rights. 10:11 PM · 17 Sept 2026 Allahabad HC Orders SBI to Immediately Refund Widow's ₹19.90 Lakh FD The Allahabad High Court has directed SBI to immediately refund ₹19.90 lakh debited from a widow's fixed deposit, according to CNBC TV18. Here's what FD holders should know about disputed bank debits. Health and life insurance news, IRDAI rules and premium trends.
11:11 PM · 19 Sept 2026 Unlimited Health Insurance Plans: Five Checks on Exclusions and Waiting Periods Before You Buy Livemint reports that 'unlimited' health covers need a close look at exclusions and waiting periods. Here is how to read the fine print before you pay a premium. 10:12 PM · 19 Sept 2026 Shareholders Back ICICI Life Insurance Name for ICICI Prudential Life: What Policyholders Should Know Shareholders have approved a new name, ICICI Life Insurance, for ICICI Prudential Life, per scanx.trade. A name change does not by itself alter your policy, premium or claim rights. 4:11 PM · 19 Sept 2026 Health Insurance Claim Settlement Ratio Alone Won't Pick Your Insurer: What Buyers Should Check Too Business Today reports that claim settlement ratio is not enough to choose a health insurer. Here is what else to check before you buy or renew, with a worked example of a partial payout. 7:11 AM · 19 Sept 2026 Term Insurance Buyers in India Look Beyond Low Premiums: What Smart Cover Needs Goodreturns reports Indian term insurance buying habits are shifting beyond simply saving money. Here is how to size cover, compare insurers and avoid the usual mistakes. 6:11 AM · 19 Sept 2026 Care Health Insurance Allots Rs 100 Crore Debentures: What It Means for Policyholders Religare subsidiary Care Health Insurance has allotted debentures worth Rs 100 crore, per Business Upturn. Here is what that means for policyholders, investors and health-cover buyers. 
5:11 AM · 19 Sept 2026 NRIs Choose Higher-Cover Term Plans From India: What It Means for Families and Premiums Financial Express reports NRIs are opting for higher-cover term plans from India. Here is what that means for cover sizing, premiums and paperwork if you live abroad or have family who does. 4:12 PM · 18 Sept 2026 Kotak Life's Protect Advantage Term Plan Launches on Policybazaar: What Buyers Should Know Kotak Mahindra Life has launched a new term insurance plan, Kotak Protect Advantage, on Policybazaar — a reminder for loan-holding households to check if their cover still matches their debt. 3:12 PM · 18 Sept 2026 Life Insurers Go 99% Digital as IRDAI Overhauls Distribution: What It Means for You Life insurers have shifted to near-fully digital sales as IRDAI overhauls distribution rules, per Moneycontrol.com — faster issuance and easier comparison, not necessarily lower premiums. Gold, rates, the rupee and everything else moving household money.
5:11 PM · 19 Sept 2026 Weak Monsoon Stokes Food Inflation Worries: What It Means for Your EMIs and FDs NDTV Profit reports that a weak monsoon is raising fresh concerns over crops and food inflation. Here is how that could reach your loan EMIs, FD returns and monthly budget. 8:11 AM · 19 Sept 2026 UPI MDR Unlikely to Push Users Back to Cash, RBI Deputy Governor Says: What It Means for You RBI Deputy Governor Shirish Chandra Murmu has said a UPI MDR is unlikely to drive a surge in cash use, per Fortune India. Here is what that means for shoppers, small merchants and household budgets. 5:12 PM · 18 Sept 2026 Rupee Slide Boosts High-Tech Exports, Not Mid-Tech, on Sep 18: What Borrowers Should Watch A weaker rupee is lifting India's high-tech exports but not labour-intensive mid-tech ones, per Moneycontrol.com — with implications for EMIs and gold loans. 5:11 PM · 17 Sept 2026 Sensex, Nifty Outlook for Sept 18: What Asian Market Cues Mean for EMIs Livemint reports Kospi, Nikkei and Taiwan index cues will guide Friday's Sensex-Nifty session. Here's what that actually means for Indian borrowers and savers. 8:16 AM · 17 Sept 2026 RBI Rate Hike Likely Delayed to December MPC, Economists Say: What Borrowers Should Do Economists say the RBI has room to raise rates but will likely hold off until its December policy review, per Fortune India — here's what that means for EMIs and FDs. 
5:13 PM · 16 Sept 2026 NSE IPO in Numbers: What Its Scale and Earnings Mean for Retail Investors Moneycontrol reports on NSE's scale and earnings ahead of its IPO. Here is what that means for Indian savers weighing whether or how to apply. 8:15 AM · 16 Sept 2026 Sensex, Nifty Track Asian Markets, Crude Oil on Sept 16: What It Means for Borrowers GIFT Nifty, Nikkei, Kospi and crude oil are steering Sensex, Nifty sentiment on September 16 — here's what actually reaches your loan EMI and what doesn't, per Livemint. 5:11 PM · 15 Sept 2026 Bank Panel to Decide UPI Charges on Payments Above ₹2,000: What It Means A committee of banks is set to decide whether UPI payments above ₹2,000 should attract a fee, according to Business Standard — here's what it could mean if it happens. Why Borrowers & Savers Use BankCreds
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Frequently Asked Questions
What is BankCreds?
BankCreds is an independent financial comparison and information platform for Indian consumers. It brings together indicative rates, eligibility rules, fees and product terms for personal loans, home loans, gold loans, business loans, credit cards, fixed deposits and insurance, alongside calculators and guides that explain how each product actually works before you commit to it.
Does BankCreds provide loans directly?
No. BankCreds is not a lender, an NBFC or a bank, and it does not sanction, disburse or recover loans. It is an information and comparison platform. Every application, sanction and repayment happens directly between you and the regulated institution you choose — BankCreds is never a party to that contract.
Are the lenders listed on BankCreds RBI regulated?
The banks and NBFCs covered on the site are entities regulated by the Reserve Bank of India, and insurers are regulated by IRDAI. Because registrations can lapse or change hands, we tell readers how to check for themselves rather than asking them to take our word for it: search the lender’s legal entity name in the RBI’s published list of registered NBFCs, and confirm that any loan app names that same entity in its terms. An app that will not name its lending entity is the single clearest warning sign in Indian digital lending.
Does BankCreds charge users to compare financial products?
No. Every comparison, calculator, rate table and guide on the site is free, and none of them requires an account. BankCreds will never ask you for a fee to process, approve or release a loan — no legitimate lender does either, and any request for an advance "processing", "insurance" or "file" charge before disbursal is a fraud marker, not a normal cost.
Can I compare loans from multiple banks and NBFCs?
Yes. Loan tables cover major public-sector banks, private banks and NBFCs side by side on rate, amount, tenure and fees, with a dedicated page per lender for the details a table cannot hold. The comparison tool puts any shortlist head to head, and the EMI calculator converts the difference between two rates into the number that actually matters — total rupees repaid.
Can I compare credit cards and FD rates on BankCreds?
Yes. Credit cards are organised by how you spend — cashback, online, travel, fuel, UPI-linked RuPay, secured — rather than by rank, because the best card is a function of your own spending pattern. FD rates are mapped by institution type and tenor, with the deposit-insurance limit and senior-citizen premiums stated alongside.
Are the rates shown on BankCreds guaranteed?
No, and no comparison site can honestly promise otherwise. Every rate on BankCreds is indicative: it reflects published or observed pricing at the time of review, while the rate you are actually offered depends on your credit score, income, employer or business profile, loan size and the lender’s policy on the day. Treat our figures as a way to shortlist and to know when a quote is out of line — then confirm the final number in the sanction letter.
How does BankCreds make money?
Through advertising and referral arrangements with financial institutions, paid when a reader chooses to visit a lender. That revenue never buys editorial position: rankings, ratings and the order of rows in a comparison table are not for sale, unfavourable facts about a partner product are published the same as any other, and we would rather lose a referral than recommend a product that does not fit the reader.
How does BankCreds verify financial products and lenders?
Product details are taken from the institution’s own published material — rate cards, schedules of charges, policy wordings and regulatory filings — rather than from aggregator listings, and are re-checked on a schedule. Customer-care numbers and grievance channels are sourced from official pages and regulator directories, and where a detail cannot be verified at source we leave it blank rather than guess. Regulatory positions cite the RBI or IRDAI directly.
Start with the number, not the advertisement
Run your EMI and eligibility first — borrowers who arrive prepared get quoted differently.