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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) bankHDFC Bank Limited (scheduled private sector bank) | ₹50L | 9.99% – 24.00% p.a. | 10 seconds for pre-approved customers | 4 | Apply Now |
| KreditBee fintechKrazyBee Services Limited (NBFC) plus partner lenders: Northern Arc Capital, MAS Financial Services, PayU Finance India, Kisetsu Saison Finance, Piramal Finance, Cholamandalam, Mirae Asset Financial S | ₹10L | 12.00% – 28.50% p.a. | Within 10 minutes | 4.5 | Apply Now |
| ICICI Bank Personal Loan bankICICI Bank Limited (scheduled private sector bank) | ₹50L | 9.99% – 16.50% p.a. | Within 3 seconds for pre-approved | 4 | Apply Now |
| mPokket fintechmPokket Financial Services Private Limited (NBFC; LSP/app owner: Maybright Ventures Private Limited) | ₹2L | 22.00% – 36.00% p.a. | Within minutes | 4.4 | Apply Now |
| Stashfin fintechAkara Capital Advisors Private Limited (NBFC); co-lending partners Cholamandalam Investment and Finance Co Ltd, Northern Arc Capital Ltd, Oxyzo Financial Services Pvt Ltd | ₹5L | 11.99% – 59.99% p.a. | Within minutes | 4.2 | Apply Now |
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 3 November 2026.
Gold Rate Today
Indicative national reference, ₹ per gram.
30-day trend: down ₹1,062 per gram (−7.2%) on 24K. At the RBI small-ticket cap, 22K jewellery currently supports about ₹9,452 of loan per gram.
City references today: Delhi ₹13,773 · Mumbai ₹13,758 · Chennai ₹13,848 · Kolkata ₹13,763
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.
BankCreds Research
Research & Data
Original analysis of official data from the RBI and MoSPI — gold prices, inflation, loan rates — with every calculation documented and every report available as a PDF.
Methodology · Cite or reuse our research · Historical data for information only — not investment advice.
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.
3:11 AM · 4 Nov 2026 Forbes Lists Top Cards for Young Adults: A Five-Step First-Card Plan for Indians Forbes has ranked cards for young adults. Here's a simple five-step plan for Indians getting a first card, from fees to credit score. 
2:10 AM · 4 Nov 2026 Banks Advertise Home Loans From 7.25% in Festive Offers: What Borrowers Should Check Banks are promoting festive home loan offers with rates starting at 7.25%, as reported by Analytics Insight. Here's what the headline rate means for your EMI and what to check first. 
1:10 AM · 4 Nov 2026 American Borrowing Costs Climb on November 3: Why Your Indian Loan Stays Put Forbes reports US personal loan rates went up this week. Here's what that does and doesn't mean for your loan in India, with an EMI example. 
12:10 AM · 4 Nov 2026 Coimbatore Gold and Silver Rates on November 3: What Pre-Diwali Buyers and Borrowers Should Do Livemint reported Coimbatore's gold and silver rates for 3 November ahead of Dhanteras and Diwali. Here's what festival buyers and gold loan borrowers should check first. Gold prices, per-gram loan values, lender rates and RBI rules for gold lending.
12:10 AM · 4 Nov 2026 Coimbatore Gold and Silver Rates on November 3: What Pre-Diwali Buyers and Borrowers Should Do Livemint reported Coimbatore's gold and silver rates for 3 November ahead of Dhanteras and Diwali. Here's what festival buyers and gold loan borrowers should check first. 6:10 PM · 3 Nov 2026 Muthoot Finance MD Says Gold Loans Stay Strong on Collateral: What It Means for You Muthoot Finance's MD says gold loan fundamentals stay strong because the gold held is worth more than the loans. Here's what that means for borrowers. 12:10 AM · 28 Oct 2026 Gold Loan Market Is Being Reshaped, BusinessLine Reports: What Borrowers Should Check BusinessLine reports that the gold loan market is changing. Here's what it means for you and how to compare lenders before you pledge your gold. 
6:10 PM · 27 Oct 2026 Gold Price Rises in India on October 27, Silver Flat: What It Means for Gold Loan Holders Gold got costlier in India on October 27 while silver held steady. Here's what it means for gold loan borrowers and savers. Rates, festive offers, credit-score shifts and unsecured-lending news.
1:10 AM · 4 Nov 2026 American Borrowing Costs Climb on November 3: Why Your Indian Loan Stays Put Forbes reports US personal loan rates went up this week. Here's what that does and doesn't mean for your loan in India, with an EMI example. 
7:10 PM · 3 Nov 2026 Personal Loan Right Now: When Borrowing Makes Sense and When It's Smarter to Wait Firstpost asks if a personal loan is smart right now. Here's a plain look at the real cost, who should borrow, and what to check before you sign. 1:10 AM · 27 Oct 2026 SBI Chairman Setty Expects 50 bps Rate Hike in December: What Costlier Loans Mean for You SBI chief CS Setty expects a further 50 bps of rate hikes in December, according to Livemint. Here's what that could do to your EMI and what you can do now. 9:10 AM · 25 Oct 2026 Planning a Home Loan? Tidy Your Credit Report First, Experts Tell Livemint Livemint reports experts say a stronger credit score can help you get a lower home loan rate. Here's a pre-application plan and what a small rate gap costs. Repo-linked rates, EMIs, balance transfers and housing-finance news.
2:10 AM · 4 Nov 2026 Banks Advertise Home Loans From 7.25% in Festive Offers: What Borrowers Should Check Banks are promoting festive home loan offers with rates starting at 7.25%, as reported by Analytics Insight. Here's what the headline rate means for your EMI and what to check first. 8:11 PM · 3 Nov 2026 Repo Rate Cuts Lower Your Home Loan EMI, Hikes Raise It: A Simple Guide A plain guide to the repo rate and how RBI decisions change your home loan EMI, with a rupee example and steps to take. 11:10 AM · 27 Oct 2026 Homebuyer Stops ₹39.92 Lakh Home Loan EMIs After Flat Resold: What Borrowers Should Do A buyer reportedly stopped paying EMIs on a Rs 39.92 lakh loan after the builder sold his flat twice. Here's what missed EMIs cost and what to do if it happens to you. 
10:10 AM · 26 Oct 2026 Higher Repo Rate Ends Cheap Debt: What It Means for Your Home Loan EMI and Savings A higher repo rate, as reported by The Goan, signals the end of cheap borrowing. Here's how it can change your EMI, your fixed deposits and your next money moves. MSME credit, government schemes, working capital and SME lending news.
12:10 PM · 3 Nov 2026 US Business Loan Demand Falls in Q3: What Cheaper Funding Means for Indian Borrowers A Fed survey reportedly shows firms asked for fewer business loans in Q3 and turned to cheaper funding. Here's what it means for Indian borrowers. 7:10 PM · 24 Oct 2026 Account Aggregator Speeds Up Instant Business Loans: What Small Owners Gain Lenders are using Account Aggregator to read bank data with your consent. Here's what faster business loan approvals mean for you, and what they don't. 3:10 AM · 17 Oct 2026 UP Women Entrepreneur Credit Scheme Offers ₹1 Lakh Business Loan: What Women Should Know Uttar Pradesh's credit scheme for women entrepreneurs offers a ₹1 lakh business loan, per Newstrack English. Here's how to prepare, what to check and how to plan repayment. 9:10 PM · 16 Oct 2026 Sharing Bank Data Makes Business Loan Approval 3x More Likely: What Borrowers Should Know A study reported by The Times of India says borrowers who share bank data are far likelier to get business loans. Here's what that means for you. Digital lending rules, loan apps, disbursal norms and borrower protection.
7:10 PM · 27 Oct 2026 WhatsApp Instant Loan Offers: Five Red Flags That Point to Fraud Before You Pay Newsd.in reports fake instant loan offers spreading on WhatsApp. Here are five warning signs, what a scam can cost you, and how to check a lender first. 9:10 PM · 23 Oct 2026 India's Digital Lending Year in Review: What Borrowers Should Know Before Taking an App Loan Analytics Insight looks back at a year of digital lending in India. Here's what it means for you, plus a simple checklist before you take an app loan. 
8:10 PM · 15 Oct 2026 RBI Account Aggregator Reform Eases Data Sharing: What It Could Mean for Your Digital Loan RBI's Account Aggregator interoperability reform could make sharing your bank data for loans simpler. Here's what it may change for you and what to do now. 10:10 AM · 12 Oct 2026 Loan App Checks Before You Tap Apply: What Borrowers Should Verify First The Economic Times reports borrowers should pause before applying on loan apps. Here's a simple checklist on lender, cost and permissions to avoid regret. Card fees, reward changes, RBI card rules and issuer news.
3:11 AM · 4 Nov 2026 Forbes Lists Top Cards for Young Adults: A Five-Step First-Card Plan for Indians Forbes has ranked cards for young adults. Here's a simple five-step plan for Indians getting a first card, from fees to credit score. 11:10 PM · 3 Nov 2026 Fake Diwali Rs 2,000 Reward Spreads on WhatsApp: How to Avoid Losing Money A fake Diwali cash reward of Rs 2,000 is going viral on WhatsApp, as reported by Mashable India. Here's how the trick works and what to do. 10:11 PM · 3 Nov 2026 Invite-Only Cards in Forbes' 2026 List: Do Indian Households Really Need One? Forbes has listed the hardest cards to get in 2026. Here's what exclusive really means, what it costs, and how to check if a card is worth it. 9:11 PM · 3 Nov 2026 Fibe Gets NPCI Nod for UPI: What It Means for RuPay Credit Card and Credit Line Users Fibe can now offer UPI payments from bank accounts, RuPay credit cards and credit lines, as reported. Here's what that means for your spending and your borrowing costs. FD rate changes, special schemes, small savings and deposit news.
2:10 PM · 3 Nov 2026 Bank of India Launches 500-Day FD, ICICI Offers Up to 7.20%: What Savers Should Know Bank of India has changed its FD rates and added a 500-day deposit. ICICI Bank is offering up to 7.20%. Here's how to read the offers before you lock in money. 9:10 PM · 27 Oct 2026 SBI vs Small Finance Bank FDs: Is the Higher Interest Worth the Extra Risk for Savers? Small finance banks often pay more on fixed deposits than SBI. Here's how to judge if the extra interest is worth the added risk for your savings. 3:10 PM · 27 Oct 2026 Money Rules From November 1: What Savers Should Check on Pension, ITR, FDs and LPG Esakal reports money-related rules for pension, ITR, bank FDs and LPG from 1 November. Here's what to check now and what we don't know yet. 12:10 PM · 27 Oct 2026 SBI Amrit Vrishti 444-Day FD: What a ₹5 Lakh Deposit Could Earn You LiveChennai reports on interest from SBI's 444-day Amrit Vrishti FD for ₹5 lakh. Here's how to work out your own payout and what to check first. Health and life insurance news, IRDAI rules and premium trends.
4:11 PM · 3 Nov 2026 OCI Son's Mediclaim: Port, Top Up or Start Afresh? A Parent's Guide Should an OCI son keep his running Indian health policy or buy a new one? Waiting periods, portability and where he gets treated decide the answer. 11:10 PM · 27 Oct 2026 IRDAI Will Wait for Consensus Before Insurance Selling Reforms: What Buyers Should Know IRDAI won't rush changes to how insurance is sold, as reported by The Hindu. Nothing changes for your policies today. Here's what to watch and do. 10:10 PM · 27 Oct 2026 India Urges UAE Travellers to Buy Medical Insurance: What It Means for Your Trip India has advised its citizens heading to the UAE to carry adequate medical insurance, as reported. Here's how to pick cover and why a small premium can save lakhs. 4:11 PM · 27 Oct 2026 Term Insurance Claim Settlement Ratio: What the Percentage Shows and Leaves Out A high claim settlement ratio is a good sign for a term plan. But it hides rejections, pending claims and rupee values. Here's what to check. Gold, rates, the rupee and everything else moving household money.
5:10 PM · 3 Nov 2026 Sensex Jumps 1,200 Points, Nifty Tops 23,800 on November 3: What It Means for Your Savings Stocks rallied hard and oil eased, as reported by ABP Live English. Here's what the jump means for your investments, EMIs and savings. 5:10 PM · 27 Oct 2026 Central Bank of India RTGS Glitch: What It Means for Your Deposits and Big Transfers Business Standard reports an RTGS glitch at Central Bank of India. Here's what it means for your savings, your large payments and what to do now. 10:10 AM · 27 Oct 2026 Tata Consumer Shares Jump Over 6% on October 27 After 18% Q2 Profit Rise Tata Consumer stock rose over 6% and led the Nifty gainers after an 18% rise in Q2 profit, as reported. Here's what it means for your money. 8:11 AM · 27 Oct 2026 NBFCs Gain Ground in Niche Retail Loans as Banks Stay Choosy: What Borrowers Should Know NBFCs are winning more specialised retail loans while banks pick borrowers carefully. Here's what that means for your EMI and how to compare offers safely. Why Borrowers & Savers Use BankCreds
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Start with the number, not the advertisement
Run your EMI and eligibility first — borrowers who arrive prepared get quoted differently.